Beautiful suburban home with a Pre-Approved stamp overlayed on the image

Home Purchase

Are you purchase ready?

Before diving into the home-buying process, it's important to ask yourself: Am I purchase ready? This means evaluating your financial situation, credit health, and long-term goals to ensure you're in the best position to secure a mortgage.

Key advantage to getting pre-approved

Know Your Ceiling

I pre-approve you for the top of your affordable range. That way you know you are ready for any home you find below that number. Search with confidence.

Shake Out Challenges

The Pre-Approval process identifies any potential financing challenges. That’s a good thing because we can create a plan to overcome those challenges.

Be Taken Seriously

Imagine receiving two purchase offers at the same time — one is Pre-Approved and the other is not. Which one would you take more seriously?

Close More Quickly

A Pre-Approval gets the heavy lifting of the loan process out of the way. This helps you close more quickly.

pre-qualification

You can be Pre-Qualified in a conversation. We discuss your goals, credit history, employment, income, debts, and assets. We review the pros and cons of available financing options and narrow down the best fit for your plans. Our conversation will give you a lot of useful information, and even a solid game plan to finance your house, but it is only a conversation. Ultimately, we want something more substantial…

Assurance Home Loans is your trusted Southlake Mortgage loan provider in Texas.

pre-approval

Many real estate agents won’t take you out to look at homes without a Pre-Approval. This step includes all the information to get Pre-Qualified but with a real difference — documentation. We build a file that documents your financial information (credit report, pay stubs, bank statements, etc.). We specify a loan program, purchase price, and interest rate. And finally, we submit your scenario for underwriting. Once we have an underwritten approval, we issue a Pre-Approval Letter that your real estate agent includes in any offer you make on a home.

Pursuing the Art of Home Financing

You have a CHOICE when you need mortgage financing, and it is a PRIVILEGE to be considered for the job! We hope to EARN your goodwill and begin a long-time FRIENDSHIP with you.