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Customers can now apply for a loan and get pre-approved in just minutes from their mobile device with Academy’s My Mortgage app, AI pre-approval bot (AMY), and online 1003 which can be quickly.
A pre-approval letter is not an offer to lend, a commitment to make a loan, or a guarantee of specific rates or terms. It is is not an application for credit. Also, having a pre-approval letter does not guarantee that an offer you make on a home will be accepted by a seller. Get pre-approved and see how much you can afford
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Being prequalified or conditionally approved for a mortgage is the best way to know how much you can borrow. A prequalification gives you an estimate of how much you can borrow based on your income, employment, credit and bank account information.
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Getting pre-approved is the first step towards getting a mortgage, but it does not guarantee a loan. Your pre-approval letter should be submitted along with your offer to show sellers that you are a serious and qualified buyer.
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