"Success in real estate comes down to two factors: taking risks and taking action!"
Unknown
Get Pre-Approved
Getting pre-approved for a mortgage is one of the most important thing you can do when you're planning to buy a home.
Mortgage pre-approvals are documents that verify you can get approved for a mortgage loan. Pre-approvals are not an official loan approval - they are the green light to shop around and find the perfect home. You can't make an offer without a pre-approval.
Steps to Getting Financing
In a competitive market, homes sell quickly. You wouldn’t want to miss out on the home
of your dreams because you don’t have a pre-qualification letter.
01
Monthly Payment
The most crucial part of buying a home is being sure you can afford its payment. So, before you get pre-approved, decide how much you feel comfortable spending each month and write that number down.
A mortgage lender may pre-approve you for a larger monthly payment. We recommend you stay within your budget.
02
Mortgage Company
Mortgage pre-approvals are available for free through most mortgage websites with no obligation to proceed. Many home buyers get their mortgage from a different mortgage company that pre-approved them. So, don’t overthink this step.
The critical part of getting your pre-approval is that you get it. Without a pre-approval, you cannot buy a home.
03
Complete the Application
As part of your pre-approval, the lender may ask for supporting paperwork, including:
- Bank statements
- W-2 statements
- Pay stubs and proof of deposits
- Federal tax returns
- Student loan statements
You don't need them downloaded or on your hard drive in advance. Just know where to find these documents when you get asked.
04
Get Pre-Approved
Mortgage pre-approvals get processed online or in person. The simplest pre-approvals are self-service.
Home buyers can get a free mortgage pre-approval from any mortgage lender or do a self-service pre-approval in under three minutes.
05
Make an Offer
In this market, timing is critical. When you find the home you want, you may need to make an offer right away, otherwise someone else may get your home!
Being pre-approved enables you to move quickly and get that offer in!
06
Start the Buying Process
Once your offer is accepted, then you begin the due diligence phase of the home buying process. Getting an inspection, an appraisal, finding your lender, getting your downpayment together and getting ready to move in!
Getting Pre-Approved Allows You to Move Quickly!
A mortgage pre-approval is the questionnaire that's the first step in buying a home. It tells a buyer which mortgages they can use and how much house they can buy.
Apply to Get Pre-ApprovedPast Clients
ShawNee
Fate,TX
Mr & Mrs Hoang
Crossroads,TX
Gary & Cindy
Frisco,TX
Blake & David
Rowlett,TX
Mr & Dr Norins
Frisco, TX
AnnMarie & Mike
Prosper,TX
Reviews
"Jo Riopel is the best realtor ever! We could not have made our move if it were not for her! She went above and beyond the call of any realtor for us! She loves what she does and it shows! She treats each of her clients like they are her only client! She knows what she is doing and is very professional and knows the market! Can not express how happy you will be with her service! Thank you Jo from the bottom of my heart for all you did for me and my family! Because of you we are living the dream in sunny Florida!!"
Gena & Brett
Frisco,TX
"Jo and me relishing receiving a key to my new house. So thankful for this agent, and now friend, for all her expert knowledge and advice I so desperately needed. She is the very best real estate agent one could wish for but more importantly, she is a kind, patient and understanding human being! So thankful!"
ShawNee
Fate,TX
"Our experience with Jo was phenomenal. We had a specific need, time line and crazy schedule to coordinate with our working schedule and 3 boys. We sold our home with Jo and successful bought our beautiful new home right before school year started for our kids. From weekend showings to multiple weekday house searching in the midst of a busy family life, I couldn’t thank Jo enough for the dedication, quality work she did for us. She is not only knowledgeable in her career, she personalized everything to fit our demands. She truly displayed to us her true friendship and genuine love for the families she takes care of. Thank you for your unrelenting efforts to get us our beautiful home."
Kim Family
Frisco,TX
"Jo is the best by far. She goes above and beyond to make the process as stress free as possible! We have bought and sold a house with her. She answers all questions and never leaves us worrying about what will happen next. We wouldn’t want to work with anyone else!"
AnnMarie
Prosper,TX
"Jo was amazing for my wife and I. We were under the gun because we just sold our home out of city. We did not give her a whole lot of lead time and she was able to take what our wants and needs were and turn it into a list of desirable homes! She was responsive, professional and knowledgeable of the area. I would highly recommend Jo to my friends and family and will be using her again in the future!"
Jeff & Galina
Frisco, TX
"Joanne is a fantastic Realtor and always goes above and beyond for her clients. She has made buying a new home process very easy! This is our first home and didn’t know all the steps or what to do but she has walked us through them all and answered any questions we have and keeping us updated with all the updates."
Erin
Princeton,TX
