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Sep 28, 2017 - 34 minute read

Cash loans guelph

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Cash loans guelph

Presenting a mortgage preapproval letter from your lender when you make an offer is the traditional way to show you're a serious buyer. Preapproval cash loans guelph more rigorous than prequalification and gives the seller confidence your financing will come through. But getting an underwriter's cash loans guelph of your loan application prior to making an offer is emerging as a more thorough first step. "The loan application is submitted to an underwriter with the property address to be determined," says Richard Airey, a loan officer with PMAC Lending Services in Portland, Maine.

"The underwriter reviews all income, asset and credit documents, and actually underwrites the loan. This allows the buyer to submit a loan commitment letter to the seller with their offer, pending appraisal," he says. "This is much more attractive to sellers as they have an actual commitment from the lender to loan the money.

" When you cant outbid a cash buyer, this step puts you on closer-to-equal footing with them. Not everyone offers underwriter review, though, so you should ask your lender or broker first.

Cash loans guelph

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