"Success in RE comes down to two factors: taking risks and taking action!"
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Get Pre-Approved
Getting pre-approved for a mortgage is one of the most important thing you can do when you're planning to buy a home.
Mortgage pre-approvals are documents that verify you can get approved for a mortgage loan. Pre-approvals are not an official loan approval - they are the green light to shop around and find the perfect home. You can't make an offer without a pre-approval.
The most crucial part of buying a home is being sure you can afford its payment. So, before you get pre-approved, decide how much you feel comfortable spending each month and write that number down.
A mortgage lender may pre-approve you for a larger monthly payment. We recommend you stay within your budget.
Mortgage pre-approvals are available for free through most mortgage websites with no obligation to proceed. Many home buyers get their mortgage from a different mortgage company that pre-approved them. So, don’t overthink this step.
The critical part of getting your pre-approval is that you get it. Without a pre-approval, you cannot buy a home.
As part of your pre-approval, the lender may ask for supporting paperwork, including:
Bank statements
W-2 statements
Pay stubs and proof of deposits
Federal tax returns
Student loan statements
You don’t need them downloaded or on your hard drive in advance. Just know where to find these documents when you get asked.
Mortgage pre-approvals get processed online or in person. The simplest pre-approvals are self-service.
Home buyers can get a free mortgage pre-approval from any mortgage lender or do a self-service pre-approval in under three minutes.
In this market, timing is critical. When you find the home you want, you may need to make an offer right away, otherwise someone else may get your home!
Being pre-approved enables you to move quickly and get that offer in!
Don’t Miss Out... Get Pre-Approved...
I can’t tell you how many times I’ve seen a client fall in love with a house, but end up losing the home because they weren’t pre-approved. Getting pre-approved solves this problem, as it enables you to move quickly on an offer. You wouldn’t want to miss out on your dream home!
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Reviews
Had a wonderful time meeting up with Autie Bayaban, a former colleague at the Greater Santa Barbara Hispanic Chamber of Commerce Gala! If you are interested in looking for a Realtor in the Ventura and Santa Barbara county, please check out Autie Bayaban Real Estate! Top notch communication! Autie keeps you informed every step of the way, fostering transparency and trust. @autiebayabanrealestate
Limar Delicano
Autie is a great problem solver and fosters team work.
Tracy Anthony
Autie responds quickly and is very professional.
Michael Kennedy
Highly recommended! Autie is knowledgeable, professional, and dedicated. Throughout the process she is always available to answer any questions and listens to your needs.
Kelly Kam
I trust Autie to get the job done!
Julie Ridenour
Autie's attitude is admirable and she goes the extra mile :)
Lady Bergamont
Autie will always find the answer.
Connie Bowman
I always feel valued and appreciated, making it a pleasure to do business with Autie.
Brandee Carrasco
I cannot recommend this business enough.
Matthew Kuhn
Autie’s customer service sets the bar incredibly high! Thank you Autie.
Vicky Reese
Autie was great to work with in the search and ultimate purchase of my new home. Especially because I was completing the house search from Florida. She was very knowledgeable on the area and the VA loan process and was key to the smooth purchase process. I'll definitely work with her again and highly recommend her for your realtor needs.
