Your offer will be taken much more seriously if you have already been PRE-APPROVED for financing.  It gives you more bargaining power than a Buyer who is unsure of his ability to procure adequate financing, and instills confidence in the Seller, that you are prepared to follow through.

You can get "PRE-QUALIFIED" over the phone, which means you COULD qualify for a certain level of loan commitment, but a "PRE-APPROVAL" means you have actually applied for, a mortgage and have been APPROVED for a pre-determined level of loan commitment.  As a "PRE_APPROVED" Buyer, you are giving the Seller Provenance of your wherewithal to buy, and shows them you are good risk, when making an offer.

Below are some local links to help you get PRE-APPROVED as a viable Buyer.

I have worked with, and highly recommend any of the professional lenders listed below.

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Tongass Federal Credit Union   http://www.tongassfcu.com/

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Alaska Escrow & Title Co    http://alaska-escrow-title.com/

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Capital Title & Escrow LLC   https://ctaeak.com/

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Prince of Wales

 ISLAND REALTY LLC

Chuck Klee - Broker   

 907-826-6600   Msg & FAX

 219-781-1825   cell 

  chucksrealestate@yahoo.com 

http://www.alaskaislandrealty.com/