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Before you start looking for your first home, we can help you with a mortgage Pre-Approval.

Fred Bermudez Home Loans can help you get Pre-Approved and on your way to home ownership! Simply fill out our mortgage Pre-Approval form securely on our website. With a Pre-Approval Letter in hand, you know you are Approved for a mortgage before you even look at your first potential new home.

Some realtors require buyers to get Pre-Approved before even starting to house hunt. A simple mortgage Pre-Approval Letter can help you narrow your search to find exactly the home you need. It also makes the mortgage application process that much smoother.

Determine how your credit looks.

Lenders will look at your payment history, income, and current debts to determine how likely you are to pay your loan each month. The number value assigned to your “reliability” is known as your credit score and is one of the biggest factors in getting approved for a mortgage.

There are many websites that allow you to quickly check your credit & credit score for free. Two of our favorites are and

If you have a credit score below 640, consider delving deeper into your report to make sure it is accurate. Stay current with all monthly payments and reduce debt where possible to boost your score.

Talk to an expert at Fred Bermudez Home Loans about your financial history, goals, and the path to buy a home.

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