Why Get Pre-Qualified?
1. Pre-qualification is the first step in the purchase process. The mortgage lender will use information you provide about your credit, income, assets and debts to arrive at an estimate of how much mortgage you can afford. The whole process is free and your loan officer is there to help you.
2. While a "pre-qual" is non-binding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general creditworthiness.
3. These days most sellers will NOT accept an offer without at least a pre-approval letter, so if you are serious about buying this is the first step to be completed. That way when you make a purchase offer on a home, we can include a letter that you are already pre-approved for your mortgage.
Senior Loan Officer/Branch Manager
1st2nd Mortgage Co. of N.J. Inc.
1810 N. King Street Unit D, Honolulu HI 96819
Corporate Office 201-569-3469 ext. 242
MLO # 301760 Company NMLS # 115981
Licensed in Hawaii and New Jersey
Jack Smyth, Residential Loan Officer
Bank of Hawaii
130 Merchant St, suite 810
Honolulu, HI 96813
C-2 Financial Corp
Tel: (808) 557-5042
1003 Bishop St., Pauahi Tower, Ste. 700, Honolulu, HI 96813