“Your Homeownership Advisor — one guide from pre-approval to keys.”

 Getting someone home loan prequalified is all about giving them a realistic estimate of what they can afford — without yet doing the full underwritten approval. It’s the first step in the mortgage process, usually done quickly and often without any document verification. 

 If prequalification is a “verbal estimate,” then preapproval is the verified, lender-backed proof that a buyer is financially ready to purchase. It’s the true foundation of a strong offer. 

 Once someone’s preapproved, they now know what price range and loan type they qualify for — and the focus turns to finding the right home for their family. 

 Once your family has found the one, the next stage is making an offer — a mix of strategy, timing, and negotiation. 

 Once your offer is accepted and you’re officially under contract, the appraisal is one of the key steps in confirming the home’s true market value before your lender finalizes the loan. 

 When the appraisal comes back “all good” (meaning the value supports or exceeds your purchase price), the next major milestone is getting your loan “Clear to Close” (CTC) — the lender’s final green light that your home loan is fully approved and ready to fund. 

 You officially become the homeowner once the loan is funded and the deed is recorded.
That’s when you legally own the home — and the keys are yours to keep 🔑🎉