Before you start looking for your first home, let us give you the competitive advantage with Pre-Approval+.

Legacy Lending can help you get pre-approved and on your way to home ownership! Simply click on GET YOUR QUOTE, answer a few questions, and we will guide you to the best loan product, a low interest rate, and a payment that meets your budget. Our Pre-Approval+ helps to remove any potential obstacles that can arise during the underwriting process and assures you will close on your new home.

By being pre-approved upfront, you will know what your payment will be, how much money you will need to close, and peace of mind that you will get to the finish line.

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. Stay current with all monthly payments and reduce debt where possible to boost your score.