As soon as possible! If you’re considering buying a home, consulting a mortgage lender before you start shopping around can save you a lot of time and money. Of course it's true you wouldn’t actually close a mortgage loan before choosing your home but you shouldn't wait until then to discuss your loan needs with one of our Loan Specialists.

The key is pre-qualification and pre-approval. Our Loan Specialists can pre-qualify you over the phone in only 15 minutes or 24 hours from the time we receive your application online. They will help you to determine just how much you can afford to borrow.

Pre-approval means that our Loan Specialist has evaluated, submitted and received approval based on your credit profile and the financial information you have provided them. In essence, upon a thorough examination of your income to debt ratios, we then work to get you the best loan package that will suit your individual needs.

While the process of getting a home loan can be a complicated one, Applied Wholesale Mortgage’s technology greatly streamlines the process. From application to verification, submission to closing, helping you get the funds you need to purchase your home now takes far less time than it used to without sacrificing service or accuracy.

See our report on Pre-qualification vs. Pre-approval.