Mortgage Pre-approval Long Island, Mortgage Pre-Qualification - Interstate Home Loan

Mortgage Pre-approval Long Island

Mortgage Pre-approval Long Island2022-11-08T10:54:18+00:00

Getting Pre Approved for A Loan or Mortgage on Long Island

It’s an exciting time, you’ve decided to purchase a home. You may have called a few realtors and looked online at some homes in neighborhoods that you are interested in. One of the first questions a realtor will ask you is “Are you pre-approved for a mortgage yet?” There are a number of benefits to getting a Mortgage Pre-Approval on Long Island. Within the document for a Mortgage Pre-Approval on Long Island, it will clarify your total budget and the monthly mortgage payments you can afford. Having a Long Island Mortgage Pre-Approval letter will help to set you apart from other potential buyers.

A seller is always more comfortable know that an interested party has been pre-approved for a mortgage. Without a realistic picture of your financial standing, it is difficult to narrow down your home search to properties you can afford. In “hot housing markets”, sellers often want potential buyers to be pre-approved for a mortgage or loan. Having a Mortgage Pre-Approval on Long Island shows you are a serious buyer and your offer is often preferred over someone who doesn’t have a mortgage pre-approval on Long Island.

In cases of foreclosures and other extenuating circumstances, some sellers may even be willing to accept a lower offer in exchange for a faster closing. A mortgage pre-approval on Long Island can also identify any potential approval issues upfront. Long Island Mortgage Pre-Approval can be intimidating to navigate on your own. The experts at Interstate Home Loan Center can help you with Long Island Mortgage Pre-Approval. We can help your remove any potential obstacles from your path and ensure a successful home purchase! Contact Interstate Home Loan Center today!

How do you get a Mortgage Pre-Approval on Long Island?

At Interstate Home Loan Center, we can help you get pre-approved for a mortgage. Our team will request your social security number, recent bank statements and income documentation such as W2s, pay stubs and tax returns. As your lender, we work with you to verify your financial information and obtain a loan estimate. We believe in educating our clients and helping them through each part of the process. Having a mortgage pre-approval on Long Island allows you to shop smarter and to make stronger offers. At Interstate Home Loan Center, we want to make sure that you can afford the home you are looking to purchase. By getting a mortgage pre-approval on Long Island, you will be able to determine your safe payment range and make sure you aren’t getting in over your head. We want our clients to be in the best position possible when they are purchasing a home!

In order to obtain a mortgage pre-approval on Long Island, your lender will look at the following:

  • Debt-to-income (DTI) ratio
  • Loan-to-value (LTV) ratio
  • Credit history
  • FICO score
  • Income
  • Employment history

The main reason most real estate transactions don’t close is because buyers had problems getting approved for a mortgage. Contact Interstate Home Loan Center, Long Island Mortgage broker today and let us help you secure the home of your dreams!

Still have questions? Call us today at 1-888-624-1414

Quick Quote

Loan Programs


Rates Fluctuate Daily
Call or Click Get Started for a Personalized Quote
Lender Fees – $1495
Points – $0


Rates Fluctuate Daily
Call or Click Get Started for a Personalized Quote
Lender Fees – $1495
Points – $0


Rates Fluctuate Daily
Call or Click Get Started for a Personalized Quote
Lender Fees – $1495
Points – $0

**Disclaimer This is not a commitment to lend. Terms and conditions apply. Interest rate and annual percentage rate (APR) are for informational purposes only. Rate and APR are based on single family, owner-occupied, primary residence purchase of conforming loan sizes with 60% loan-to-value and assumes 780 FICO score. Rates are prevailing and subject to change. Call for today’s live rate.

Our Process

Securing a mortgage doesn’t have to be stressful or time consuming. We believe in full transparency, and getting your loan approved FAST! You will be able to track the status at all times while we are working to move forward on our end. Any hold up can cause you to lose out on a home you’ve put an offer in on! At Interstate, our process is seamless and best of all, quick!

Average number of DAYS to get a loan commitment from Interstate Home Loan Center
Average Number of DAYS to close your loan.
Average number of MINUTES it takes to complete our loan application.


Will a Mortgage Pre approval on Long Island help me to purchase a house easier?2022-07-11T11:22:33+00:00

Yes! Getting Mortgage Pre approval can make the difference between getting the house of your dreams or losing it to someone else who had pre approval for a mortgage. At Interstate Home Loan Center, we can help you get pre-approved for a mortgage on Long Island. Contact us today and learn more about getting the process started!



Subtan got us a fantastic deal! He is very professional. Kept us informed the whole way through. The interest rate and the closing cost were better than expected. I would definitely recommend Subtan to friends and family members.

angelicagormandy from NY

worked with Subtan Mughal


Mario is the best of the best!

I am so glad I met Mario, he goes above and beyond to make the customer happy. He will be there from beginning to end. Any question or any problem you have he is always there to help. He made my first home buying process so easy and smooth. If you want to buy a home with no headaches and actually gets the job done fast he is your man!

shaolintiger1 from NY

worked with Mario Gonzalez


Truly amazing.

In my special situation, especially with being a first time buyer Chris, made this process the quickest and smoothest it could’ve have went. The customer service that I received was nothing less than excellent. I’m so thankful that I got to work with this lender and that this first experience for me was such a pleasant one.

abigail mcvay1134 from NY

worked with Christopher Morabito


Amazing service

After having some trouble with the first company Hunter and Interstate turned around the mortgage so fast. They answered all our questions and gave great guidance, this process was fast and painless.

Britney Forbes from NY

worked with Hunter Fields


Interstate and Hunter 10/10 – Highly Reccomend

I would recommend Interstate to anyone looking for the best rates as well as best service. Hunter was a pleasure to work with. He was always quick to respond, and whenever I was nervous about something he would always reassure me that everything would be taken care of and he was exactly right. The closing and everything from Interstate’s end went extremely smooth. We had a phenomenal rate and made the process seamless for us. I would definitely recommend interstate home loan center and ask to work with Hunter. Hunter really was the best to work with and gets the job done!! Thank you Interstate and Hunter for my amazing rate on my new home!!

Matt L from NY

worked with Hunter Fields

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