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Stem Lending > Mortgage > Mortgage Pre-Approval

Mortgage Pre-Approval

Shop for the right home that best fits your budget by getting pre-approved for first.

Neighborhood

Want to Find The Mortgage That Best Fits Your Budget?

Mortgage Pre-approval Letters help home buyers and their agents negotiate better with the seller.

It demonstrates that a lender has looked into the buyer’s creditworthiness and if a set of conditions are satisfied, mortgage will be granted to this buyer, helping bring this buyer’s closer to equal footing with cash buyers.

Mortgage Planning & Strategy

Our clients are often surprised by the possibilities we present to them; by thinking outside the box we present financing options they hadn’t considered before:

Lower down payment options, First-time Home Buyer’s Grant, Low Credit Mortgage Plans, all tailored for our customer’s unique financing needs.

Comparison Shop for Mortgage

Factors Influencing Credit Scores

  • Payment History
  • Amounts Owed
  • Credit History
  • New Credit
  • Types of Credit Used

You can comparison shop lenders that will give you the best mortgage for your needs.

Answer application questionnaire and share:

  • W-2s, 1099s and tax returns for the last 2 years.
  • Bank statements, pay stubs for last 3 months.
  • Document evidencing any other assets.
  • Copy of borrowers’ driving license.

We will fetch credit report and present signed application to partner lenders for pre-approvals.

Mortgage lenders have specialized. Today, no one mortgage lender claims to offer products which are best for low credit scores as well as high credit scores. For jumbo mortgages as well as FHA or VA loans.

We get to present your application across multiple lenders. By comparison shopping, you get to find the mortgage that works best for your financial plan.

Mortgage Planning

Proper mortgage planning and selecting the right lender can help plan for your budget. Find the mortgage that’s custom-tailored for your unique needs.

We take a consultative approach for mortgage, helping you find the right financing that best fits your needs. Take the first step in your home buying journey and get pre-qualified for the right mortgage.