Unlock Your Dream Home This Spring: Master Your Mortgage Pre-Approval Process and Seize the Season’s Housing Opportunities!

Spring is not just a season of blooming flowers and warmer weather—it’s also the perfect time to embark on your journey towards homeownership. But before you can start envisioning your dream home, mastering the mortgage pre-approval process is essential. With an understanding of what it takes to secure pre-approval, you can navigate the homebuying landscape with confidence and efficiency. From gathering the necessary documents to understanding the dos and don’ts of the process, this guide will equip you with the knowledge to pave your path to pre-approval this spring and seize the abundant opportunities the season brings in the housing market.

• The first step to buying a home is getting pre-approved for your mortgage! Be prepared… make copies of items that the mortgage lender will need, such as:
  • Last 2 years W2s and tax returns
  • Last 30 days of pay stubs
  • Most recent 60 days bank statements
  • Copy of valid driver’s license (not expired)
  • Additional items will be requested depending on your financial situation
• Provide any requested documentation by the lender as quickly as possible
• Once you have applied for your mortgage pre-approval process, do not open any new credit, make any large purchases on credit cards, or have anyone pull your credit. It will create delays for your closing in the end. Federal guidelines require lenders to re-pull credit right up until the closing date.

• Do not quit your job or change jobs during your home buying process. That will put an immediate stop in your home buying process.
• Do not make any large deposits into your bank accounts that would not be able to be provided with a paper trail of where the funds came from. Federal guidelines require us to verify the source of large deposits.
• Pre-Approval Letter – Once you have been pre-approved, the lender will issue you a pre-approval letter that can be submitted with your offer. This lets the seller know you are actually qualified and approved to buy their home!

Pros TO HOME BUYING in Spring:

• Bright and sunny weather makes for great house hunting 
• The housing market is fully stocked with lots of new listings
• There is time for your kids to get settled before a new school year
• Moving is easier in nice weather and moving costs are lower
• You can use your tax refund as a part of your down payment

Remember this information when considering the mortgage pre-approval process.

I hope this information was helpful! If you are considering buying or selling a home, I would love to talk to you. I am a seasoned agent with over 24 years of experience in the local real estate market. I would love to be able to get you the financial result you desire from your current home to get you in to that Dream Home! Don’t hesitate to call me anytime at 260-579-1516 or you can email me at mike@mikearchbold.com. 

Why Does RE/MAX Results Stand Out Among the Competition?

Simply put: Relationships. We pride ourselves not only in our professional service but more importantly in the personal touch we bring to our business. Has an agent/lawyer/contractor/vendor ever treated you like you were just another paycheck? The reason our clients come back time and again and refer all their friends and family to us is because they know we are part of the family.

Genuinely caring about the people we serve enables us to do things other agencies can’t. Rest assured, we will ALWAYS have your best interest at heart and work vigorously to get you the best deal possible on your home or business.

The relationships we build with our clients enable us to work 100% by referral. The reason we are able to give top notch service to our clients is because our clients refer us a constant stream of quality family and friends to assist in their real estate needs. While other agents are out making cold calls and chasing “potential” leads, we are freed up by our referral base to service our clients like no other broker can. We are never too busy for your referrals!

Want to experience the difference for yourself? Call or text me today at 260-579-1516.

“Professional Service with a Personal Touch“

We’re Here To Help

Are you or someone you know considering a home purchase? Don’t hesitate to call or text me, Michael Archbold, at 260-579-1516 and I will connect you with the best mortgage professionals in the business who can get you your score, discuss ways to improve it if necessary, and put you on the path to home ownership. Click here to read more about our Buyer Services. Click here to browse listings NOW! Looking to sell your home? Call today to set up an appointment to begin developing your customized marketing plan. Click here to read more about our Seller Services.

Hoosier Home Listings by RE/MAX Results is a full service real estate Web site serving Northeast Indiana. We assist residential and commercial clients in locating, buying, and selling real property in the State of Indiana including but not limited to the counties of Allen, Huntington, Wells, Adams, Whitley, Wabash, Kosciusko, Noble, Dekalb, Lagrange, Steuben and cities including Fort Wayne, Decatur, Bluffton, Huntington, Warsaw, Columbia City, Butler, and Angola. RE/MAX Results is an Equal Housing Opportunity company.

Hoosier Home Listings – Unlock Your Dream Home This Spring: Master Your Mortgage Pre-Approval Process and Seize the Season’s Housing Opportunities!…

… brought to you by Michael Archbold, Hoosier Home Listings, and RE/MAX Results.

The consummate professional, Michael Archbold (Associate Broker, REALTOR, ePro) brings a diversified background to the world of real estate. Born and raised in Fort Wayne, Mike graduated Wayne High School in 1992. He received bachelors degrees in Accounting in 1997 from Indiana University and Information Technology in 2005 from Indiana Wesleyan University. Mike comes to RE/MAX with more than 20 years of experience in sales and accounting. He began his career in real estate in 2000 as an investor.