Dream Key Lending | Home Preapproval
The Preapproval Process
Five steps from our first conversation to walking into your first showing. Here is exactly what happens at each one, so nothing catches you off guard.
1
Intro Conversation
We start with a conversation, not paperwork. I want to understand what you are actually trying to accomplish: where you want to live, when you want to be in the home, and what monthly payment feels comfortable to you. This is also where you ask me anything you have been wondering about, no matter how basic it feels. Nothing in this step commits you to anything.
2
We Complete a Full Application
Once I understand the goal, we complete a full application together. It covers your income, employment, assets, and what you are looking to buy. Doing this properly up front is what makes your preapproval something a seller can trust, rather than a quick estimate that falls apart once a real file gets underway.
Start Online Application
Already spoke with me, or would rather start here? You can complete this on your own time.
3
Preliminary Numbers
I put real numbers in front of you: estimated monthly payment, cash needed to close, and the loan options that fit your situation. You will see how the pieces move together, so if the payment lands higher than you expected, we can adjust the price range or the loan structure now, before you have fallen in love with a house.
4
Documents and Credit Review
We gather your supporting documents and I review your full credit report. This is where we confirm what the application says and catch anything that could become a problem later. If something on your credit needs attention, this is the point where there is still time to do something about it.
5
House Shopping
Now you shop with a clear budget and a preapproval letter that carries weight when you write an offer. I stay available to you and your agent throughout, and because most of your file is already built, we are positioned to move quickly once you find the right home.
Ready When You Are
Most people start with the conversation, but if you would rather get the application moving first, that works too. Either way, we end up in the same place.
Prefer to talk now? Call or text 623-343-2727
Preapproval is not a loan commitment or a guarantee of financing. Final approval is subject to a complete application, verification of income, assets, and credit, an acceptable appraisal, and lender guidelines in effect at the time. Blake Weaver, NMLS 1783019 | Dream Key Lending, NMLS 2645838 | 3111 E Fandango Dr, Gilbert, AZ 85298 | 623-343-2727 | [email protected]