Get the best rates and the lowest closing costs. When you’re ready to buy a house, it makes sense to put yourself in the strongest position possible to negotiate. In a strong real estate market, sellers may be more selective in choosing the final buyer with whom they will negotiate. In the distraught market of sellers, it is not uncommon for a house seller to receive multiple offers on his property. That said, there are some things you can do to be sure that your offer is the one that will be retained by the seller. Today, the vast majority of buyers do it wrong and put themselves in a situation quite for a moment, let’s look at this situation from the seller’s point of view. If you were the seller and you had received multiple offers on your property, all other things being equal, would you accept the offer that has a certificate of authorization for financing or one whose financing is conditional? The answer is obvious. So why are many buyers waiting to find the house to start financing? I have noticed that these buyers are usually very good qualified buyers and are not worried about being approved for the loan. Although they are usually right and, ultimately, approved, the seller, in most cases, has no guarantee. Finally, from the point of view of cost savings: As a potential buyer, it makes more sense to start the financing process early so that you can have a good understanding of the interest rate, point estimate and closing costs. If this is done before you find the house, you have no time constraint and it is less likely that you pay a higher rate than a buyer who has found a home and is under a strict time constraint. If you decide to take advantage of the pre-authorized mortgage, simply fill out the form on this page. We will send your information to one of our favorite mortgage professionals who can help you find the best mortgage rate and closing costs as low as possible.