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Things you should know about...
  Getting pre-qualified helps you determine how much home you can afford, based on a specific financial information you share with your lender. The lender does not verify this information, and consequently there is no guarantee you will qualify for the loan amount.

Getting pre-approved requires that the lender verify your financial information, and does serve as a commitment to lend a specified amount based on that verified information. This gives you significant buying power with a seller who recognizes you will be approved for a loan.

What's pre-qualification?
Pre-qualification is an informal discussion between borrower and lender. The lender estimates the amount that you can borrow based solely on what you tell them about your income and assets. The lender does no verification and is not bound to make the loan when you're ready to buy. On the other hand, loan pre-approval is based on documented and verified information regarding your employment, your income, your liabilities, your assets and the cash you have available to close on a home purchase.

To get pre-qualified, Click Here


How is pre-approval better?
To a seller, a lender's pre-approval letter is considerably stronger than a pre-qualification letter. If a seller knows your financing is secure, your offer is stronger. Pre-approval also gives you peace of mind as you shop for a home, knowing that you will qualify for the proper mortgage amount.

To get pre-approved, Click Here


No matter what your score Strategic Points Group has a mortgage program that can work for you.

    New Mortgage
    Refinance
    Home Equity
    Debt Consolidation
    Construction

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Before You Begin to Shop
Finding a loan can be a confusing experience; you're likely to have questions about the mortgage process. At Strategic Points Group, we're committed to helping you understand it so you can rest easy and enjoy the satisfaction of owning a home. Whether you need money to purchase your first home or second home, to build a new home, or to refinance your present home to lower your rate or payment or provide cash for any reason, we have "the solution".

Mortgage Programs:
  • First Time Buyer
  • Imperfect Credit
  • Non-Verification
  • Construction/Rehab
  • No Points/No Closing Costs
  • Investment Property
  • Home Equity
  • Home Equity Line of Credit
  • Stated Income Programs


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