How to get Pre-Approved /The DeVargas Team

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How to get Pre-approved

House with a money trail

You have decided that is time to buy a new home. You feel that it is time to get out and start looking online  or visit open houses but before you do this you should get ready, you do not want to fall in love with a home and find out that you are not able to qualify for it.

The first concern that all future home-buyers should have is How to get Pre-approved for a mortgage . This process is FREE with the majority of reputable lenders.

When you’re pre-approved for a mortgage, the home-buying process goes much smoother. By knowing in advance what you can afford and how much financing a lending institution is willing to offer you; will save you time, you will not lose the opportunity of putting an offer on that dream home. Most professional Real Estate Agents will not take any buyers out to view properties without a Pre-approval letter.

Click to download a list of the document that your lending institution will be requesting to give you a Pre-Approval letter

A loan officer will need documents on the checklist, in some circumstances more documents and proofs may be needed

A knowledgeable mortgage loan officer should be able to offer guidance and give you the answers to the most important home-buyer questions

  • What mortgage products are available for my financial situation?
  • Can I be approved for a Mortgage
  • In what  price range should I look for a property?
  • What will be my monthly mortgage payment?
  • How much money do I need for a down payment and closing costs?

How to get Pre-Approved

Screen Shot 2016-01-25 at 2.21.24 PMTo start the pre-approval process a mortgage loan officer will ask for personal information such as the applicants social security number, current home address, employer information and other documents  that will allow the financial institution check your financial history. This will allow them to give you a  “Pre-Approval” letter that states how much money you can invest in the purchase of a Home.

This process is necessary to place an offer on any active listing, and will give you and advantage in today’s competitive buyers market

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The DeVargas TeamMeet Sandra DeVargas

Sandra’s specializes in Luxury, Investment, and Commercial properties in the Western New Your area.


Acting with uncompromising passion and integrity, Sandra’s high level of engagement in the business and real estate communities keeps her finger on the pulse of what is happening in real time, giving you the advantage.


Sandra’s knowledge in business development on an international basis covers the United States, the Caribbean, Central America and South America. Sandra and her team have been able to assist many national and international companies as well as individuals, with all their relocation needs. While serving as Corporate Relations Officer at a real estate company for several years, Sandra developed and built strong relationships with Sandra DeVargascorporations, clients and agents in the Western New York area. Sandra has a two decades of with strategic international marketing for manufacturing and service industries. She has worked as an advisor and consultant for the Government of the Republic of Colombia South America. She is fluent in Spanish and English.  Sandra has a BS in Architecture and a Master’s degree in Planning and Administration of Regional Development. Sandra has achieved the coveted Realtor designation of Certified International Property Specialist (CIPS) and is a member of the Global Property Specialist (GPS) network through Keller Williams Realty International. Because of Sandra’s experience and bicultural business knowledge, she brings a unique skill set to help individuals and businesses relocate to and from Western New Your

Comments (2)

John Pusa
Berkshire Hathaway Home Services Crest - Glendale, CA
Your All Time Realtor With Exceptional Service

Sandra DeVargas Thanks for the information on how to get pre-approved.

Jan 25, 2016 08:38 AM
Sandra DeVargas
Buffalo, NY
The DEVARGAS Team at Keller Williams Realty

YOU ARE WELCOME JOHN

Jan 25, 2016 08:53 AM