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Pat White


Real Estate Consultant




Tel: (443) 656-0688    Cell: (410) 241-3331    Email Me

Get Pre-Approved

Most mortgage lenders take the guess work out of applying for a loan by figuring out for you the amount you can afford to borrow. Then, they give you a printed document stating the maximum mortgage amount you qualify for based on your particular finances and income.

Get Pre-Approved

Mortgage pre-approval establishes your price range and strengthens your buying position by letting the Seller know that you have already been approved for the loan. It can also ease time constraints once the purchase agreement in signed between Buyer and Seller.

Consider these Scenarios:

You're out looking at homes. Your Real Estate Broker never mentions that you should get pre-approved and just ballparks what you can afford. Of course, the more house he shows you, the better he usually comes out. You find the perfect house and work out a deal with the Seller. Three weeks later, the lender informs you that the house is $10,000 over what you qualify for and does not approve your loan. The Seller has already bought another house. You've given notice where you're renting and told all your friends about the great house you bought. And then, there's the money you've already spent on inspections on a house you can't own.

You and your REALTOR® have been working diligently finding that "perfect" home. A new listing comes on the market that's priced right and has got everything you've been looking for. You write an offer. Your REALTOR® takes it to the listing REALTOR® and is informed that another offer is coming in and will have to present both offers simultaneously to the Seller. The other Buyer is pre-approved for his loan. Whose offer do you think the Seller will negotiate first?

Should You Get Pre-Approved for a Loan First? Most Definitely!

For more information on getting pre-approved let me know.

Pat White
That's Right - Call Pat White
Your Central Maryland Realtor! My goal is to provide you with the latest information about real estate, local listings and marketing your home. I'm a lifelong Maryland resident and an experienced realtor for over 20 years. Providing buyer and seller representation including investment properties, new construction, estate sales and military families.

Over 90% of my business is generated from the referrals of past satisfied clients which speaks highly about my commitment to customer service.

If you're planning on leaving the state ask me about the RE/MAX Global Referral Network. I can refer you to a reputable agent anywhere you wish to relocate.

So if your have any questions, please contact me anytime. Whether it's buying, selling or investing I'm there for my clients throughout the entire transaction. Let Me Help You Find The Perfect Place To Call Home!

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