Why Get Pre-Qualified?
1. Pre-qualification acts as a dry run of the loan application process. The mortgage lender will use details you provide about your credit, income, assets and debts to arrive at an estimate of how much mortgage you can afford. The whole process may take only minutes or a few hours at most, and is free.
2. While a "pre-qual" is non-binding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general creditworthiness.
3. These days most sellers will NOT accept an offer without at least a pre-approval letter, so if you are serious about buying this is the first step towards getting you in your new home.
My background has always been financial. I graduated with a degree in accounting and worked in that field before I came into the mortgage industry. I felt as though I could help people much more in the mortgage industry and was happy with the decision ever since.
I worked in the mortgage business for 6 years before I opened my own company. My company has been open now for the last 13 years. I have built a client base that has increased my business every year and have always appreciated it. Customer service has always been my main focus and my clients have stuck with me through thick and thin. I believe the customer service will make or break a company every time.
Freedom one funding is the largest mortgage broker in the Albany area now and our reputation is the main reason we have been able to grow in this economy.
I can be reached 7 days a week for my clients. Meet in person or do everything via fax, text, and email. Whatever is convenient for the client is what I will do.
My main focus is residential purchases (specializing in first time homebuyers), VA loans, USDA loans and an approved experienced FHA lender. We have over 100 mortgage products. Freedom One Funding also does lending on high equity refinances, cash out refinances, and multiple investment property refinances.