Your Real Estate Professional is an expert at finding the perfect home and helping you negotiate an offer that works for you. Your Axiom Mortgage Consultant will guide you through the home-buying process and work hard on your behalf to help you finance the home of your dreams.
Set Yourself Up For Success
Most lenders will pre-qualify you for a loan based on basic income and debt information you've provided and a cursory credit check, and they'll do it within 24 hours. We can do that too. But at Axiom Financial, we go the extra mile. We will actually begin processing your loan at no initial cost* to you. Within 48 hours of receiving all needed documentation, you will be a Pre-Approved Buyer, not just pre-qualified. That means you'll know exactly how much home you're qualified to buy and which loan product best suits your needs - before you ever shop for a home.
The Benefits of Pre-Approval
- You become a cash buyer - you are in a more powerful bargaining position when you make an offer.
- Your real estate agent's efforts are focused on finding a home within a price range that works for you, avoiding the wasted time and heartbreak of looking at homes outside of your qualification range.
- You will know your loan options and payments.
Pre-Approval is as Easy as 1-2-3
- Visit Axiom Financial either in person, by phone, or on-line.
- Gather these documents:
- All W-2s from all employers for the last two years (or two years' tax returns)
- Pay stubs from all employers for the last two pay periods
- Bank account statements for the last two months
- If renting, cancelled rent checks for past twelve months
- Any other pertinent income/debt related documents suggested by your loan officer
- Your mortgage consultant will contact you to update you on the status of your buying power.
*Processing and appraisal fees may be collected when an offer is written and accepted as required on the Real Estate Purchase Contract.
