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Tools for Effective Home Shopping: Pre-Qualifications versus Pre-Approvals
The real estate market has seen some dramatic
PRE-APPROVAL FEATURES & BENEFITS
changes in recent years – with fluctuations in
» A pre-approval shows a realtor or seller that you are qualified
income and home values, instead of providing or entertaining multiple offers for homes, buyers and sellers are now spending more time “browsing” and “showcasing”, with less urgency or willingness to execute a deal quickly.
for a specific loan amount, which strengthens your ability to negotiate an offer. » A pre-approval is based on your current credit score, income, assets and debts. » Sun Home Loans provides a FREE pre-approval so you can shop with confidence.
Once you’ve identified your target purchase price
PRE-QUALIFICATION FEATURES & BENEFITS
range, take advantage of pre-qualification or pre-
» By providing information on your current assets and income,
approvals, helpful tools to prospective homebuyers
a pre-qualification will provide an initial ballpark range of what
from your lender, so that you can leverage your
home price you can target.
bargaining power, and move quickly. Sun Home Loans can help individuals that either
» Sun Home Loans provides a FREE pre-qualification so that you can understand what you can afford before you shop.
don’t qualify yet, or aren’t committed to buy, get ready to shop for a home and be prepared to buy.
Sun Home Loans Delivers CONTACT ME TODAY: James Chu, VP -- Northern James Chu, VP Northern NJ NJ Regional RegionalSales SalesManager Manager Loan Officer: NMLS# NMLS# 536286 NMLS #: 536286 400 Broadacres Drive,102, Suite 100, Bloomfield, NJ 07003 210 Park Ave., Suite Florham Park, NJ 07932 Office:
Mobile: 201-725-2800 201-725-2800 Mobile: Office: 973-415-6686 Fax: Fax: 973-860-2203 973-860-2203 Offi ce: 973-805-4141 Fax:
E-mail: jchu@sunnb.com jchu@sunnb.com E-mail: Website: sunnb.com/jchu Website: sunnb.com/jchu
www.sunnb.com Equal Housing Lender. Sun Home Loans is a division of Sun National Bank, member FDIC. All loans subject to credit approval and programs may change at any time. Pre-approval or pre-qualification is not a commitment to lend; additional information may be required for formal loan approval. Consult a tax advisor for feasibility of tax deductions. NMLS # 429900
June 27 - July 24, 2012
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