rightTo BE 

Pre-Qualified

or

Pre-Approved

that is the Question!


Before you begin to shop for a new home, please call us first so we can help you meet your financial goals.  It's important to understand the distinction between being Pre-Qualified or being Pre-Approved. 

To get Pre-Qualified for a loan, we collect info about your debt, income & assets typically over the phone.  We’ll look at your credit profile & assess the types of programs that would work for you.  We'll issue you a Pre-Qualification Letter after our review.  


It is important to understand that a Pre-Qualification letter is just an estimate of what you are eligible to borrow based on our phone conversation. 
Getting Pre-Approved for a loan gives you competitive advantage when the time comes to bid on a home.  You should do this before you look for a new home! 


To get a Pre-Approved, you will need to complete a mortgage application (to start our secure online loan application - click here) or meet us at our office.  You will also have to provide AmeriBest with various information verifying your employment, assets & financial status such as W-2's, bank records & pay stubs.  For a printable list, click here

 

We’ll review your mortgage options & submit your loan to underwriting.  Once initial underwriting is complete, we'll issue a Pre-Approval letter.  


A Pre-Approval letter is not binding; it is subject to future appraisal of the home you wish to buy & certain other conditions.  If your financial situation changes (e.g. job change or credit), interest rates rise or 60-days after the letter was issued, then we must review your situation & recalculate your mortgage accordingly.






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AmeriBest Mortgage 1413 S. Patrick Drive #6 Satellite Beach, FL 32937
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