Mortgage Pre-approval North Carolina, Local Mortgage Bankers - Interstate Home Loan

Mortgage Pre-approval North Carolina

Mortgage Pre-approval North Carolina2022-07-20T10:47:13+00:00

Getting Pre-Approved for A Loan or Mortgage in North Carolina

All of us at some point, start dreaming about having a home of their own. This potential investment often gets delayed because it requires a large sum of money and documentation. If you think you are now ready to invest in real estate, you will need a mortgage pre-approval. Most realtors will want to know whether you are pre-approved for a mortgage. This is because it is important to get a Mortgage Pre-Approval in North Carolina. It has its fair share of advantages the most important being – it gives you an estimate of your monthly mortgage payments and how you can manage them efficiently. It will give you a complete assessment of your total budget.

Having a Mortgage Pre-Approval in North Carolina puts you in a better position to get a property. A seller is likely to prefer a party who is pre-approved for a mortgage. It provides you clarity while choosing the house or property. A pre-approval for a mortgage or loan, means the sellers will prioritize you over other potential buyers. Having a Mortgage Pre-Approval in North Carolina will help establish you as a more serious buyer than someone who doesn’t have a pre-approval for mortgage here.


A mortgage pre-approval in North Carolina also foresees any upcoming obstacles you might face. In some cases, including foreclosures and other extenuating circumstances, sellers might even settle for a lower offer in order to close quicker. The process to get a mortgage in North Carolina may seem tedious if you do it on your own. But leave it to the experts at Interstate Home Loan Center to make it incredibly easy. Our team will assist you through every step in the process. Contact Interstate Home Loan Center today!

How to get a Mortgage Pre-Approval in North Carolina?

For a completely hassle-free process, Interstate Home Loan Center is the perfect place. Once you contact us, we will request a few details like your social security number, recent bank statements, and income documentation such as W2s, pay stubs, and tax returns. This helps us verify your financial information and obtain a loan estimate as your lender. We will then help you with the next steps in the home buying process. We know how mortgage pre-approval in North Carolina, can put you in a beneficial position to secure a home in the area. At Interstate Home Loan Center, our goal is to help clients get the house of their dreams. With a pre-approval mortgage in North Carolina, you won’t face any financial obstacles on the road to become a home owner.


You will need to submit these documents to your lender when getting a mortgage pre-approval in North Carolina:

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

Real estate transactions are not always easy to close. The process of getting a pre-mortgage approval can help you seal the deal. Contact Interstate Home Loan Center, North Carolina Mortgage broker today and we will handle the process of owning the home of your dreams. For any questions, give us a call at 1-888-624-1414.

Quick Quote

Interest Rates

At Interstate Home Loan Center, we take pride in offering our clients the lowest interest rates possible. Whether you are looking to purchase or refinance, the team at Interstate is ready to help you secure the best rate possible! Contact Interstate today for more details.

20-YR FIXED

5.00%

5.14% APR

Lender Fees – $995
Points – $0

30-YR FIXED

5.25%

5.37% APR

Lender Fees – $995
Points – $0

15-YR FIXED

4.50%

4.61% APR

Lender Fees – $995
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!

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Average Number of DAYS to close your loan.
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FAQs

What is the best way to get a mortgage in New Jersey?2022-07-11T11:00:56+00:00

It is a good idea to do some research on mortgage programs and rates. You can do most of your research on-line or by phone. Organize the necessary financial paperwork and contact the team at Interstate Home Loan Center. We can help you navigate the process of getting a mortgage in New Jersey. When making mortgage comparisons, you must be sure you are comparing mortgages of similar terms, i.e. a 30 year vs. a 5 year, do the mortgages you are comparing have prepayment penalties and do they have similar rate lock durations? There is a lot of difficult jargon when it comes to getting a mortgage in New Jersey. Let our experts help you select the best option for you and your financial goals.

What does a Mortgage Banker in New Jersey do?2022-07-11T11:01:06+00:00

Mortgage Bankers work for a financial institution and help individuals obtain a mortgage loan. Their years of experience in the industry and relationships with lenders can provide either first time home buyers or seasoned real estate investors with the tools they need to secure a loan that fits their financial goals. Contact the team at Interstate Home Loan Center to find out how our New Jersey Mortgage bankers can help you in the home buying or refinancing process!

If I have a bad credit score, can I still get a mortgage in New Jersey?2022-07-11T11:01:16+00:00

The truth is that it depends on how low your credit score is. If you think your credit score may cause an issue in obtaining a loan, please reach out to our office. The team at Interstate Home Loan Center has experience is working with individuals with lower credit scores and helping them get a loan to purchase a home in New Jersey. Our experts can also advise you on immediate steps you can take to bring your credit score back up!

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