Pre-Approval

Before you start looking for your first home, we can help you with a mortgage pre-approval

eClick Lending can help you get pre-approved and, on your way, to home ownership! Simply fill out our secure mortgage pre-approval form on our website.

In today’s real estate market, realtors require buyers to get pre-approved before even starting to house hunt. A simple mortgage pre-approval letter can help you narrow your search to find exactly the home you can afford. It also makes the mortgage application process that much smoother.

Determine how your credit looks.

Lenders will look at your payment history, income, and current debts to determine how likely you are to pay your loan each month. The number value assigned to your “reliability” is known as your credit score and is one of the biggest factors in getting approved for a mortgage.

There are many websites that allow you to quickly check your credit & credit score for free. Two of our favorites are www.freecreditreport.com and www.creditkarma.com.

If you have a credit score below 640, consider delving deeper into your report to make sure it is accurate. We can also recommend a credit repair specialist. Stay current with all monthly payments and reduce debt where possible to boost your score.

Talk to me about your financial history, goals, and the path to buy a home.

Call or Text me any time or any day of the week.

815-721-2073