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Do home buyers need a pre-approval letter?

October 17, 2017

When you make an offer for a house, including a pre-approval letter from a lending institution can be helpful. Especially if there are multiple offers, because it informs the seller that you are a serious and ready buyer. 


More importantly, while obtaining a pre-approval letter, you will be able to know how much you can actually afford for a home. Since the lender will check on your credit score, it is a good idea to improve it. The higher it is, the more you will save on interests. Typically, lenders keep the best interest rates for customers with a credit score of 740 or above.


How could you improve your credit score? For instance, you can pay down credit card outstanding balances. It’s suggested, in any given time, keeping less than 30 percent of outstanding credit card balance. That will improve your credit score. So if you are not in a position to pay down your balance, increase your credit limits or open a new account from a different issuer. 

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Contact: Min Kim
Direct: 773-709-0501
Office: 773-482-1917