As a continuation of our home buying video series, we’re explaining how to get pre-approved for a mortgage.

Getting a mortgage can be a complex process, but it doesn’t have to be! In this week’s video, our team of lending professionals explain how the mortgage application process works and what documentation you’ll need to provide.

The first thing you’ll want to do before you start searching for homes is get pre-approved for a mortgage loan. There are many benefits that come with having a letter of pre-approval. Not only will you be able to determine how much house you can afford, you’ll earn favor from real estate agents and sellers and increase your negotiating power when it comes time to put an offer on a house.

It starts by collecting documents that will help us paint a picture of your financial situation. This information will help us determine which loan programs are a good fit for you. By preparing all the necessary information upfront, you’ll set yourself up for a smooth experience, a speedy approval and a seamless closing. So, if you’re ready to start the application process watch the video below to learn how you can take the next step to homeownership.

Disclosure: Ross Mortgage Corporation gave a small thank you gift to each customer who willingly offered to share their experience and be part of this video.


Tim Ross is CEO of Ross Mortgage Corporation and a lifelong mortgage lender. He has served as president of the Mortgage Bankers Association of Michigan and two terms as a governor on the Residential Board of Governors with the Mortgage Bankers Association of America. Today, Tim is an active participant, charter member and past director of America's Mortgage Cooperative and recently served as the Chairman of the Mortgage Industry Advisory Board for the State of Michigan. Outside of work, Tim enjoys running, golfing and participating in triathlons.

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