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Getting pre-qualified is fast and easy. Here’s what we need from you:
Mortgage pre-qualification is an assessment to determine whether your income and debt-ratio may fit a current U.S. Bank Home Mortgage loan program and provides an estimated amount you may be able borrow. A Letter is provided and can be given to your Realtor as a sign of confidence that you are a serious homebuyer.
Whether you have completed the prequalification process with U.S. Bank or not, you can ask to get pre-approved at any time. The first step is to complete a full mortgage loan application. After we receive this, we will provide you with all required application disclosures including a Good Faith Estimate of Settlement Costs and an “Intent to Proceed” notice. Before we can continue with your mortgage loan application, you must tell us you want to continue by signing and returning your “Intent to Proceed” notice along with other disclosures that require your signature. If you agree to proceed, we will collect funds necessary to cover the cost of your appraisal and/ or the application fee (if applicable). The appraisal/application fee may be paid by providing us with your credit card number and expiration date to cover the cost.
A prequalification request is an inquiry only, not a mortgage loan application or a commitment to lend and no interest rate is promised or secured. An assessment was performed to determine whether your income and debt-ratio may fit a current U.S. Bank Home Mortgage loan program. A credit decision will be made only after you submit a complete mortgage loan application and we are able to verify and fully evaluate your application request in accordance with the loan program you have selected and all underwriting criteria.