Start Your Home-Buying Journey With a Mortgage Pre-Approval

The key to success is to start where you are with what you have! Do not let Fear, Uncertainty or Doubt slow your homeownership progress!

Whether you’re a first-time home buyer or a current homeowner, it’s wise to learn what’s possible and that’s the purpose of the Pre-Approval Process.

The Pre-Approval will make sure you’re treated seriously and with the respect you deserve. It indicates you did things in the right order.

The Black Brilliance Homeownership Team – Powered by E-Mortgage Capital – NMLS: 1416824 is delighted to offer professional guidance during your home-buying journey.

Closed Homeownership Doors are now Wide Open

Our mission is to make sure that everyone who has a thirst for ownership is treated fairly and equitably throughout the entire home buying process. We have helped hundreds of people who were turned down elsewhere. It’s important to not accept “No” as an answer. Our brokerage works with hundreds of banks, if homeownership is possible, we will find a solution tailor made for your situation.

Mortgage Pre-Approval Education

It all starts with your “Homeownership Conversation.” We will learn more about your goals and your financial situation (savings/employment history and credit).

A team member will collect and review your pay stubs, W-2s, bank statements. We will also check your credit. Once the parameters are met you will have successfully achieved Pre-Approval Status.

Now, we will present you with the option of working with a Realtor Partner we have faith and trust in and most importantly knows our system which is designed to get you into a home for “Less Than First, Last and Security.” 

Mortgage Pre-Approval Letter

Now that you have done the hard work the fun part of your homeownership process can begin.

It’s Time to Search for Your Forever Home.

Available Grant Programs will be Presented to You.

Securing a pre-approval letter gets you one step closer to Firing Your Landlord!

When Does a Mortgage Pre-Approval Expire?

Our Pre-Approval Letters are good for 120 days. At any point from the moment you receive the letter to the day you close if there are any negative credit circumstances or job/income changes the pre-approval will need to be reviewed. As long as your situation remains the same you have nothing to worry about.

After You Go Under Contract on Your Forever Home

There is more work to do!

Your loan processor will work with you to clear the remaining items required by the underwriter. An appraisal will be ordered and you will select a home inspection company to validate the condition of the property.

The Pre-Approval is the beginning of a beautiful journey that will end with your “Key Day”. We promise to stand with you side by side as you walk towards your “Homeownership Destination”

Now is a great time to work with the Black Brilliance Homeownership Team – Powered by E-Mortgage Capital.

Using your financial resources to achieve financial freedom will only provide a sense of pride and stability for yourself and your children. When you own you have a stake and a say in our community, we then grow and thrive together.

Let’s start your journey toward homeownership today!

Visit our Mortgage Pre-Approval Center online.

#KissYourLandlordGoodbye!