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 certain level of loan commitment. 

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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First Bank    http://www.firstbankak.com/home/mg/app   

 email Ela at    Manuela.Wehrmann@firstbankak.com  or click her card:

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Laurie Gardner Senior Mortgage Loan Originator Alaska USA Mortgage Company NMLS Unique ID #204060 Phone: (907)796-1202 Fax: WA Consumer Loan Co. License #CL-157293 License: Mortgage License #AK157293 l.gardner@alaskausamortgage.com www.lauriegardner.net

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Christine Newbill
Home Mortgage Consultant
NMLSR ID 1424821
Wells Fargo Home Mortgage | 4966 N. Tongass Highway | Ketchikan, AK 99901
MAC K3602-011
Tel 907-247-7878 Ext- 108 | Cell 907-821-3530 | Fax 866-557-6113
christine.newbill@wellsfargo.com | http://www.wfhm.com/christine-newbill

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

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We recommend either of these local Title Companies for your closing needs:

Ketchikan Title Agency    http://ketchikantitle.com/

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

Click my card to email me



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/