At Scovell Wolfe, we value the time and the financial investment of our clients, and we always keep the clients' best interest in mind.
Buying or selling a home is a process that requires direction, intelligence and encouragement.
Whether working with a first time buyer or marketing upscale homes throughout the Kansas City Metro area, we have the expertise, innovation and technological capabilities that make comprehensive service possible.
Our strategy is to serve our clients by providing strong marketing know-how while also customizing a market plan that is responsive to the needs of our individual clients, their property and the ever-changing intricacies of the current marketplace.
We never forget that we do not exist without our clients. Our attention is always customized and sharply focused toward the specific needs of each of our individual clients. Our client's goals are our goals.
For most home buyers, finding a mortgage lender is a critical step in the process. For home sellers, knowing that a potential buyer is pre-approved for financing can be a significant factor in the decision-making process.
We recommend getting pre-approved before you start looking for a home; as a key element in the process, having your financing in place prior to the negotiation process can help ease much of the stress typical to those discussions.
There are two terms incorrectly being used interchangeably in today's marketplace:
Pre-qualified and Pre-approved.
They sound similar, but their impact on a transaction is quite different.
Pre-qualification is an estimate of your borrowing power. This estimate is based only on the information you provide and is not verified by a lender.
Pre-approval is a firm loan commitment issued by a lender, subject to a satisfactory appraisal of a property to be purchased. When you have been pre-approved, your income, assets, and credit have been reviewed to the satisfaction of the lender. Pre-Approval provides real benefit.
Here are several reasons to consider getting pre-approved early in your home buying process:
Confidence: Knowing that you are pre-approved for home financing allows you to search for properties with confidence, having eliminated financing issues
Credibility: Providing a pre-approval letter increases the credibility of your offer in the eyes of homeowners who often have several offers to consider
Agility: Knowing your financing capacity allows you to respond quickly
Focus: Getting pre-approved early in your home buying process allows you to focus on the most important goal: finding the perfect home
Our dedication and commitment to providing outstanding customer service remains second-to-none. If you would like to discuss our residential brokerage services, please contact us at your earliest convenience.
