Why Would I Want To Get Prequalified First

Why Would I Want To Get Prequalified First

Why would I want to get pre-qualified to buy a house in Arizona? Well the answer is actually in the question. Why? To buy a house. Sure there are rare instances where a lender provided pre-qualification form was not used but in most cases your offer will not be reviewed or accepted until you are pre-qualified. Now here's the real problem....in today's limited market, the buying pool is more condensed. When this happens, you tend to see multiple offers submitted in days if not hours. So, when your perfect house comes on the market you are not posed with a large task of things to do and items needed . You simply electronically sign the offer and the pre-qual form and off it goes to be with the seller. 

There are many different choices when it comes to picking a loan that is right for you and your current situation. Michael Martell with Stearns Lending would be glad to help guide you through the loan process....every step of the way! 

Some of the programs Stearns Lending has to offer are...but not limited to,

  • VA Loans

  • USDA loans with no money down options

  • FHA Loans with low down payments and flexible qualifying guidelines

  • Programs for buyers with FICO scores under 620

  • Jumbo loans up to $3 million (limited to certain jumbo products)

  • Split premium MI and transfer of appraisals

  • Down payment assistance loans like the Home in 5 and the HFA 

You can Apply Online today and get the qualification process started. Michael will reach out to you once you are finished. We will go over the next steps and what will be needed to get qualified. 


We asked Stearns Lending to help us with some loan information buyers could use. We selected Stearns Lending because of the excellent service Michael and his entire Stearns Lending team provide.

  1. We quickly set the wheels in motion!

  •  21 -day closing.*

  • A quick close means you'll get into your new home sooner.

          2.  Jump start your house-hunting with a Pre-Approval.**

  •           We can pre-approve you for a mortgage even if you don't have a home in mind yet.

  • This powerful TBD pre-approval puts you in the driver's seat when you're ready to bid.

  • Most of the paperwork is completed up front, so you get to the closing table faster.

          3. We're ranked #1 Privately Owned Purchase Money Mortgage Lender.***

  • Our track record proves we're big enough to provide the needed resources, but agile enough to meet your individual needs.

  • National strength. Local knowledge.

I Can Help You and so will the rest of the Stearns Lending Team!


Michael Martell - Apply Online Today Click Here!

Mortgage Loan Originator NMLS# 1290123

Stearns Lending NMLS# 1854

www.mortgagebymartell.com 




*Closing times may vary based on various transactional factors such as borrower's document response time. **TBD Pre-Approval is for qualifying buyers whose property is yet to be determined. Supporting documents include 1 month pay stubs, [email protected] forms for the last two years, and other documentation that substantiates the borrowers' income and debt obligations derived from assets, self-employment and any other documentation the Stearns Lending, LLC requires. *** Top 40 Mortgage Lenders Rep. no 1Q15 Indside Mortgage Finance.


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Phone: 623-224-7956
Dated: August 6th 2016
Views: 759
About Keith: O'Keith Judish licensed REALTOR® with Realty ONE Group serving the West Valley and Phoenix Metrople...

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