What’s the difference between prequalification and preapproval?

While both can help you understand how much you may be able to borrow, preapproval involves a more thorough look at your finances and credit information. It can be a signal to sellers that you’re serious about purchasing a home.

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What’s an earnest deposit?

An earnest deposit is money that you typically pay into a third-party account to signify your intent to purchase a specific home. Typically, if you move forward with the purchase, that money is applied to closing costs.

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Why do I need homeowners insurance?

Homeowners insurance helps protect you financially if your house is damaged, its contents are stolen, or if someone is injured on your property. It typically is required if you have a mortgage on your home.

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What happens if my mortgage application is denied?

There could be several reasons your loan application is denied, including incomplete information or paperwork. A home mortgage consultant can help you through the process and determine if you need to reapply for a different type of loan or if other solutions are available.




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