Get Pre-Approval

Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.

Loan pre-approval letter showing a loan amount of $455,000, monthly payment of $3,500, 30-year repayment term, with signature and approved stamp.
Portrait of a smiling woman with curly blonde hair wearing a black blazer and gold necklace in an office setting with blue background

Stacy Warner

CMG Home Loans

Jennifer Rogers

Envoy Mortgage

Michelle Ward

Global Credit Union

  • 650 NE Midway Blvd, Ste 101
    Oak Harbor, WA 98277
  • (360) 679-5616 (work)  or  (360) 320-9708 (cell)
  • m.ward@GCUhome.com
  • Apply Online
Smiling woman with curly blonde hair wearing a navy blue floral blouse in an indoor setting

Tami Encinas

CMG Home Loans

  •  860 SE Bayshore Dr., Ste 101, Oak Harbor, WA 98277
  •  360.361.2975 (cell)
  •  tencinas@cmghomeloans.com
  • Apply Online
Entryway shoe rack with rain boots, umbrella, hats, scarves, and wall décor in a modern home hallway
Expand Small Spaces
Cozy living room with a light gray sofa, colorful throw pillows and blanket, modern wall art, and a floor lamp against a multicolored striped wall with wooden shelving, featuring a Labrador Retriever dog resting on the sofa.
Refresh the Paint
Outdoor shed wall with gardening tools, storage shelf, garden hose, and sports equipment organized on hooks and racks
Get Organized
Close-up of a modern light gold and matte gray cabinet drawer handle and knobs on a light gray kitchen cabinet with a marble countertop
Update Hardware
home

Are you buying or selling a home?

Buying
Selling
Both
home

When are you planning on buying a new home?

1-3 Mo
3-6 Mo
6+ Mo
home

Are you pre-approved for a mortgage?

Yes
No
Using Cash
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Would you like to schedule a consultation now?

Yes
No

When would you like us to call?

Thanks! We’ll give you a call as soon as possible.

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When are you planning on selling your home?

1-3 Mo
3-6 Mo
6+ Mo

Would you like to schedule a consultation or see your home value?

Schedule Consultation
My Home Value

or another way