Ask your sales associate for a list of our recommended lenders!

They can assist in pre-qualifying you and answering your questions to make the move into your new Omega home a stress free transition!

Pre-Qualifying Steps

  1. Buying a home is a big responsibility so knowing your situation is crucial when getting approved. Recall your previous 2 years of addresses and employers, and remember that banks need to know where you were the last 2 years and how they can verify your past.

2. Collect the correct documents. Your loan is based off of your credit, income and assets so make sure you have your information ready!

3. Call Pike Creek Mortgage and talk about a comfortable payment and a loan that best suits your situation. You will know what you qualify for in just a few moments.

4. Set up a meeting to go over all of the documents and figures for your new home. Knowing what’s expected of you is essential and very helpful at the time of closing.    

Credit Do's and Don'ts

1. DON’T buy a new vehicle or apply for new credit of any kind.

2. DON’T lie about anything. Be honest with your loan officer, they are on your side!

3. DON’T close credit card accounts. This will appear to the FICO that your debt ratio has gone up.

4. DON’T max out or over charge on your credit card accounts, nor consolidate your debt onto 1 or 2 cards.

5. DON’T do anything that will cause a red flag to be raised by the scoring system.
This includes adding new accounts, co-signing on a loan, changing your name or address with the bureaus, etc.

6. DON’T quit your job.

7. DO stay current on existing accounts.

8. DO save all paperwork to document any large deposits in your bank accounts.

9. DO continue to use your credit as normal.

10. DO call us in regards to any questions. Your loan office will know best as to whether your actions will affect your approval.  

 

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