5 Reasons to See a Mortgage Lender First

Whether you are looking to buy a new home, expand, or downsize, it is a great time to take advantage of the low interest rates and the favorable housing market. But, before you take your first home tour or make any type of offer, here are a few reasons to speak to your Mortgage Loan Originator (MLO) first.

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Nothing is worse than finding the perfect home and realizing it is out of your reach financially. Don’t waste time looking at homes that are priced outside of what you can afford. Speak with your lender first—you may find you qualify for a higher loan amount than you think. Knowing your exact qualification amount can save you a lot of time and energy.


Your credit scores are an overall representation of your creditworthiness and can ultimately determine your interest rate. Remember, the higher your scores, the lower the interest rate, and the less interest you will pay over the life of the loan. This can add up to real savings each month and over the course of the loan. Learning your scores in advance can also allow you the time to work on improving them and help you secure a lower rate.


Going to a realtor or home seller with a pre-qualification letter shows you mean business. In today’s competitive housing market, the power of pre-qualification can help. Sellers are more eager to accept an offer from a qualified buyer.


There are many loan options for home buyers today. Knowing which program fits your financial situation, lifestyle, and specific home purchase goals is key to getting that new home, and allowing you to be comfortable with your monthly payment. Let your MLO review your options with you.


If paying your home off sooner or lowering your monthly payment is at the top of your list, a refinance may be the solution. At United Community Mortgage Services, we have a variety of refinancing options which might help you lower your rate, take cash out for that desired home remodel, consolidate debt, or take that dream vacation. Your MLO is available to help you navigate the process and will work with you to reach your goals.

When you’re ready to take the next step in home ownership, start by meeting with your local United Community Mortgage Services professional first.