WNY Homes for Sale

Why you should pre-qualify for a mortgage before you start your WNY home search!

Mortgage Pre-approval Advantages

Knowledge - You will know exactly how much you can afford before you start home shopping.
Competitive advantage - Sellers and real estate agents will consider you a serious buyer.
Speeds time to closing - Since you are preapproved you can move into your dream home much faster!

Know Exactly How Much You Can Spend!

You might have an idea of the loan payment and mortgage you can afford in Western New York. Lending requirements are changing rapidly in today's market so the bank might not agree with your thinking. Do you really want to find the absolutely perfect home only to find out you cannot get the mortgage for it?

It's always best to pre-qualify for a mortgage so you know exactly how much you will be able to borrow. In the pre-qualification process, you will find out:

• Exactly how much home you can afford.
• Your minimum down payment, and advantages of higher down payments.
• What the bank feels you can afford for a monthly payment.

Read more about mortgage pre-qualification »