Van Dyk Group | John Franc Realtor ABR Manahawkin NJ Real Estate

Get Pre-Approved




Get Pre-Approved

Why Getting Pre-Approved right away is important

One of the most important steps in the home buying process is getting a pre-approval letter. Even as you’re searching for a home, having a pre-approval letter will give you the freedom to make a move the moment you’re ready.

After hiring a reliable Realtor, one of the most important steps in the home buying process is getting a pre-approval letter. Even as you’re searching for a home, having a pre-approval letter will give you the freedom to make a move the moment you’re ready. It conveys to the seller of the home that your serious about buying the home.

Here are some more reasons you will need the pre-approval from the very beginning:

  1. It is important to go ahead and start shopping around for the best rate as soon as possible. Once you find a low rate, the lender may be able to lock you in. So even if the rates go up over the next couple of months, you are still locked in at the lower rate.
  2. Getting this done in the beginning of the process will allow you to fully understand the entire cost of purchasing a home. Your lender will provide you with a “truth in lending” document that discloses all of your loan and closing costs associated with your purchase.
  3. Most Realtors only work with pre-approved buyers. Getting this done right away shows your desire to move forward. Once you have it in writing, your Realtor will bend over backwards to assist you in the search of your dream home. A good Realtor will work in the evenings and weekends When necessary to assist you and accommodate your work schedule.
  4. The pre-approval is necessary so that you know what price range you are qualified to purchase. Once you have an informed, accurate price range, your Realtor will set you up on a daily email list of the homes that fit your criteria and budget.
  5. Many buyers believe that because they have good credit, they will have no problem getting approved, only to find that their debt-to-income ratio is not sufficient. Also, many people have great jobs but their credit report harms their ability to purchase a home. It is important to know what we are dealing with in the beginning so that the lender can assist the buyer in doing what is necessary to repair their credit.
  6. Once you find the perfect home, you must have a pre-approval letter attached to the offer. Sellers will not look at offers without the approval letter.
  7. Waiting until the last minute to get a pre-approval can delay the buying process. Many homes sell in the first few days they are listed. If you have to wait on a pre-approval, someone else may get an accepted contract before you are able to write an offer.

VanDyk Mortgage Corporation Always provides excellent mortgage services and has friendly and knowledgeable customer support.

  • They have been in business since 1987.
  • Licensed in 36 stateside.
  • Has 300 employees.
  • Holds highest rating of A+ with the Better Business Bureau.
  • Has a 99% Customer Satisfaction rating.
  • Strong track recordable and offering great rates.
  • online application is fast, easy, safe and secure.

VanDyk Mortgage Corporation can help you Pre-Qualify and obtain a credit report

  • Level 1 Pre-Qual: Verbal Discussion & No Credit Report - (No Charge).
  • Level 2 Pre-Qual: Verbal Discussion & Single-File Credit Report (No Charge).
  • Level 3 Pre-Qual: Voluntarily Provided Written Documentation & Tri-Merged Credit Report ($15 charge) Recommended.

John Franc
Real Estate Agent ABR®

NJ License #: 1537453 PA License #: RS271000

15 Years Of Experience
Accredited Buyer’s Representative


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The data relating to real estate on this web site comes in part from the Internet Data Exchange program of the MLS of the Ocean County, NJ Association of REALTORS®. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.