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When buying a home, the first place to start is to get Pre-Approved. Getting Pre-Approved for your FHA loan gives you the authority to place offers on properties for the amount you are Pre-Approved for or less. This is a very important step in the process and it is highly recommend that if you are thinking about purchasing a house you get Pre-Approved first to avoid any problems and issues that could arise if you do not.
Being Pre-Approved will also let you know where you stand and will verify how much of a house you can get an FHA loan for. This will help you focus your attention on properties you will qualify for and most real estate agents require that you show them your Pre-Approval letter before they show properties to you.
Your FHA Loan Officer will evaluate the following:
Once you and your Loan Officer have discussed these items, you will work together to determine the price range that you can both get qualified for, and will be comfortable with. Once an approval is attained for that price, your Loan Officer will send either you or your realtor a Pre-Approval letter which will allow you to both see and make offers on houses.
Getting Pre-Approved is the first step to home ownership!