Find Your Perfect Home with Heady Homes Co.

Pre -approval is important because it provides a stronger negotiating position. Sellers often prefer buyers who have pre-approvals because it signifies a serious buyer with financial backing. It can give you an edge in a competitive market or during negotiations. 

Once pre-approved, you can begin searching for homes within your budget.  When you find a home you like, make an offer with your Realtor®. If the seller accepts, you'll enter into a purchase and sales agreement and be under contract. 

 With an accepted offer, return to your lender to complete the formal loan application.  The time frame between mutual acceptance (when both buyer and seller agree to the terms of the sale) varies based on the contract's terms and regional practices.