Buy a Home

In today's highly competitive Real Estate market a Buyer must be Pre-Approved or have all cash to close. Buying a home can feel like an insurmountable task. Let us help simplify the process! We'll assess your credit at no cost and help you form a game plan. In addition to a credit assessment, we will prepare you with a Bay Mountain True Pre-Approval^© to help strengthen your offer to assure acceptance. A Bay Mountain True Pre-Approval^© means that your credit package will be reviewed and underwritten by the lender, who will issue a lending commitment.

Some lenders offer loan pre-qualifications and some offer pre-appovals. Here's the difference:

Most mortgage companies and banks will only provide you a lesser pre-qualification letter. Pre-qualification letters have not had your credit package reviewed or underwritten in advance.

Pre-Qualification

√ Provides a "ballpark" estimate of your buying power based on a cursory look at your credit package (income, credit and assets).

√ Is based on summary verbal information provided on your income and assets
√ Requires satisfactory review of credit package, property, financial documents and program requirements to issue final approval and lending commitment.
√ Is offered by most lenders

Most REALTORS and Sellers will not accept this as viable financing with a purchase offer.

True Home Loan Pre-Approval

√ Credit Package documentation reviewed and approved by a Underwriter who issues a Bay Mountain True Pre-Approval^©

√ Provides proof to real estate agents and sellers that you're pre-approved for a specific loan amount and purchase price
√ Is based on verified documentation of your credit package (income, credit and assets).
√ Requires a satisfactory appraisal and title review and no change in financial condition for final approval and lending commitment.
√ Is offered by Bay Mountain at no cost as a service to prepare you to find a home

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√	Provides a "ballpark" estimate of your buying power based on a cursory look at your credit package (income, credit and assets).
√	Is based on summary verbal information provided on your income and assets
√	Requires satisfactory review of credit package, property, financial documents and program requirements to issue final approval and lending commitment.
√	Is offered by most lenders

√	Credit Package documentation reviewed and approved by a Underwriter who issues a Bay Mountain True Pre-Approval^©
√	Provides proof to real estate agents and sellers that you're pre-approved for a specific loan amount and purchase price
√	Is based on verified documentation of your credit package (income, credit and assets).
√	Requires a satisfactory appraisal and title review and no change in financial condition for final approval and lending commitment.
√	Is offered by Bay Mountain at no cost as a service to prepare you to find a home