At Clover Mortgage, we can help you get pre-approved for a home purchase mortgage, mortgage refinance , or mortgage renewal and secure your rate for you for up to 120 days (4 months)! Whether you have great credit or bad credit, are self-employed or a salaried employee, or even if you have been rejected by the bank, our knowledgeable mortgage brokers can help get you pre approved for the right mortgage to suit your needs and current financial situation.
These days, many customers are getting quick pre-approvals that are not done properly and as a result are not valid when it comes down to qualifying for the actual mortgage. To avoid this, the mortgage brokers and agents at Clover conduct proper and thorough mortgage pre approval applications to ensure that the mortgage amount that you are pre-approved for is the actual amount that the bank or lender will approve you for when you purchase your property. Keep in mind that if your financial or credit situation change drastically between the time you get pre-approved to the time you actually buy your property, this can change the mortgage amount that you might qualify for even if the pre-approval is done properly.
Depending on what you need ( new home purchase mortgage , mortgage refinance or renewal), you may be asked to provide some or all of the following documents in order to complete a proper and valid mortgage pre-approval :
Depending on your current financial situation and the type of mortgage product you need, your Clover Mortgage broker or agent will help you identify what documentation will be needed to process a full and accurate mortgage pre-approval.