"Success in RE comes down to two factors: taking risks and taking action!"
Unknown
Get Pre-Approved
Getting pre-approved for a mortgage is one of the most important thing you can do when you're planning to buy a home.
Mortgage pre-approvals are documents that verify you can get approved for a mortgage loan. Pre-approvals are not an official loan approval - they are the green light to shop around and find the perfect home. You can't make an offer without a pre-approval.
The most crucial part of buying a home is being sure you can afford its payment. So, before you get pre-approved, decide how much you feel comfortable spending each month and write that number down.
A mortgage lender may pre-approve you for a larger monthly payment. We recommend you stay within your budget.
Mortgage pre-approvals are available for free through most mortgage websites with no obligation to proceed. Many home buyers get their mortgage from a different mortgage company that pre-approved them. So, don’t overthink this step.
The critical part of getting your pre-approval is that you get it. Without a pre-approval, you cannot buy a home.
As part of your pre-approval, the lender may ask for supporting paperwork, including:
Bank statements
W-2 statements
Pay stubs and proof of deposits
Federal tax returns
Student loan statements
You don’t need them downloaded or on your hard drive in advance. Just know where to find these documents when you get asked.
Mortgage pre-approvals get processed online or in person. The simplest pre-approvals are self-service.
Home buyers can get a free mortgage pre-approval from any mortgage lender or do a self-service pre-approval in under three minutes.
In this market, timing is critical. When you find the home you want, you may need to make an offer right away, otherwise someone else may get your home!
Being pre-approved enables you to move quickly and get that offer in!
Don’t Miss Out... Get Pre-Approved...
I can’t tell you how many times I’ve seen a client fall in love with a house, but end up losing the home because they weren’t pre-approved. Getting pre-approved solves this problem, as it enables you to move quickly on an offer. You wouldn’t want to miss out on your dream home!
Reviews
EXCELLENT JOB WES !!! Finally someone you hire doing exactly as you ask, listening and following through .Sold in 2 days thanks to Wes and the office there , could not be happier again THANK YOU Wes
Mark Griffin
"Hi folks; Would just like to say, anyone needing help in finding a home or moving one, you couldn't be in better hands than with Wes. Wes and I connected when I inquired about a property. I've dealt with many realtors in the past often with not so much luck so naturally was a bit skeptic at first, plus I had never heard of him. Wes signed me up with him as my real estate agent, stayed with me throughout the process and I must say I wasn't the easiest to work with. I had limited resources with bigger desires so turned down many, many places. Regardless of all the rejections I did Wes never gave up, devoted countless hours, quite often on weekends as well as holidays and it finally paid off. Upon my find, he walked me through the whole process advising me along the way and made my purchase and final closing effortless. To all in need of a real estate agent, give Wes a call, I'm quite sure you won't be disappointed. I'm glad I did. Daryl K Cornelius"
Daryl Cornelius
"The best realtor I've ever had. Wes is such a professional and very knowledgeable. He thinks outside the box and goes above and beyond to ensure his clients have a positive experience. My personal experience: when a deal fell through in a very competitive market, Wes creatively thought outside the box and decided to explore off market deals. Wes wrote letters to owners in the neighborhoods I desired to purchase a home, to see if owners would be willing to sell. After hundreds of letters sent, a few owners gave us feedback and we were able to close on a deal in my dream area atop of the mountains! I'm so happy he is my realtor now and for future purchases. "
Zaneta Hardy
"One of the best realtors we ever had a pleasure working with. Always had our best interest at heart. Always kept us informed of the progress of the showings and right up to the sale of our home. We will choose Wes Sparks for future sales and purchases. "
Timothy Simmers/ Andy Loan
"We are so happy to have had Wes help us with our first time buying a home! He is very hardworking and does everything he can to make you happy during the process. He communicates very well and is sure to answer any questions you may have. You won’t regret working with him!"
Raven Ralston
"Even though I only actually met Wes once because we are not local to the locality, we were buying in he probably did more work for us than any other Agent; he was there for us when we needed to call or text him. When an Act of God delayed an inspection, and no one close by was available he was able to get someone to the site in the nick of time! He provided good advice during negotiations, saving us some money and remained friendly and patient when I got nervous about things. We recommend him highly!"
Shawn and Sara Harper
"I want to thank Mr. Wes for making everything run smooth and keeping me informed. He was very helpful and knowledgeable. Thanks, you are very appreciated "
J. Napier
"Thank you very much Wes for your tireless efforts in helping us find and purchase our new home in Staunton. We can’t thank you enough. The Whites. "
Mr. & Mrs. White
"Very active on getting you where you want to be and will do everything in his power to get you where you want to be! Is the absolute definition of a hard worker that will do anything for his clients at any time! Very satisfied with Mr. Sparks performance!"
Nicolas Hamner
"My husband and I could not have had a better realtor. He was very professional and always answered any questions we had. He really helped us out while dealing with a difficult seller. Would totally call Wes again if we decide to buy another house."
Shelley Gibson
"Wes is awesome. This is our second time using him. We would recommend Wes!"