Why Get Pre-Qualified?

1. Pre-qualification acts as a dry run of the loan application process. The mortgage lender will use details you provide about your credit, income, assets and debts to arrive at an estimate of how much mortgage you can afford. The whole process may take only minutes or a few hours at most, and is free.

2. While a "pre-qual" is non-binding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general creditworthiness.

3. These days most sellers will NOT accept an offer without at least a pre-approval letter, so if you are serious about buying this is the first step towards getting you in your new home.

4. How do I make my offer more solid? Get Pre-Approved. That means you've been through the underwriting process and you're the perfect candidate to buy a house. All you need to close is a contract!

Who are my Go-To's?

Amy Ramsey

Atlantic Bay Mortgage Group

Producing Sales Manager
3430 Toringdon Way, Suite 101
Charlotte, NC 28277
5th Third Bank 
Mortgage Loan Originator

1818 Matthews Township Pkwy

Matthews, NC 28105

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