As the owner of Carolina Property Sales in Southern Pines-Pinehurst. I have seen some amazing things happen when people go to apply for a loan. At this point in my career, I always get people pre-qualified before we go to look at homes. There are so many issues that could come into play. Even after you get a house under contract there are things you need to do. Once I have a couple create an all-time blunder list. AFTER getting the house of their dreams under contract they 1-went car shopping and had their credit checked on each lot. 2-EACH changed jobs. 3-bounced a check to the appraiser. WOW!! Needless to say---things didn't work out.
I contacted an expert in the field to do a little video to explain the Do and Don'ts when applying for a mortgage. Pam Gantt is the President - Key Mortgage NMLS #63327.