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There is an old saying from Roman statesman, Lucius Annaeus Seneca, that “luck is a matter of preparation meeting opportunity.”
Are you prepared for the moment when your perfect house becomes available? The best way to be prepared is to be fully pre-approved for mortgage financing. I am not talking about a “pre qualification” where you have a 10 minute phone call with someone who asks how much you make, how much you have in the bank, and how you think your credit is, and then punches some numbers in a calculator and spits out a monthly payment you might be able to afford. Nor is it typing some numbers into your iPad screen and taking a shot at the moon to have a website tell you how much you can afford.
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