"Success in RE comes down to two factors: taking risks and taking action!"
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Get Pre-Approved
Getting pre-approved for a mortgage is one of the most important thing you can do when you're planning to buy a home.
Mortgage pre-approvals are documents that verify you can get approved for a mortgage loan. Pre-approvals are not an official loan approval - they are the green light to shop around and find the perfect home. You can't make an offer without a pre-approval.
The most crucial part of buying a home is being sure you can afford its payment. So, before you get pre-approved, decide how much you feel comfortable spending each month and write that number down.
A mortgage lender may pre-approve you for a larger monthly payment. We recommend you stay within your budget.
Mortgage pre-approvals are available for free through most mortgage websites with no obligation to proceed. Many home buyers get their mortgage from a different mortgage company that pre-approved them. So, don’t overthink this step.
The critical part of getting your pre-approval is that you get it. Without a pre-approval, you cannot buy a home.
As part of your pre-approval, the lender may ask for supporting paperwork, including:
Bank statements
W-2 statements
Pay stubs and proof of deposits
Federal tax returns
Student loan statements
You don’t need them downloaded or on your hard drive in advance. Just know where to find these documents when you get asked.
Mortgage pre-approvals get processed online or in person. The simplest pre-approvals are self-service.
Home buyers can get a free mortgage pre-approval from any mortgage lender or do a self-service pre-approval in under three minutes.
In this market, timing is critical. When you find the home you want, you may need to make an offer right away, otherwise someone else may get your home!
Being pre-approved enables you to move quickly and get that offer in!
Don’t Miss Out... Get Pre-Approved...
I can’t tell you how many times I’ve seen a client fall in love with a house, but end up losing the home because they weren’t pre-approved. Getting pre-approved solves this problem, as it enables you to move quickly on an offer. You wouldn’t want to miss out on your dream home!
Communities
Past Clients
Rebecca & Matt Maloney
3 done & more to come!!
Sara & Jillian
2 happy new home owners!
Cris Salamanca
The Best agent ever!!
Karen & TJ
Incredible experience!
Chandan & Mandy
Ed Torres is simply the BEST!
Ever & Olga
Wow! what a great experience we had!
Reviews
Ed and his team are TOP NOTCH!!! Very thorough and professional. Very knowledgeable about every aspect of the procedures. His team had our home sold on the open market within ten days. We were very pleased with the results. We highly recommend Ed and his team for your future real estate needs. We’d gladly give ten stars if we could. Top shelf all the way!!
Brian Laursen
I was a first time homebuyer and I was worried that it was going to be a long and painful process buying a house. Ed and his team put those fears to rest quickly, since my home search was already over in a few short weeks after winning an amazing house which was only the second offer that I made! Ed is an absolute wealth of knowledge and I always felt like he always had my best interests at heart on top of providing great service and staying well connected via phone, texts, and emails. While viewing properties in person, Ed would share his insights on each specific thing we looked at. When I was ready to make offers, he would go back to his office and do his due diligence by doing research on the property and giving his recommendations on what I should offer, which was extremely helpful. If you're browsing reviews for real agents to choose for your next home purchase, you can look no further and choose Ed and The Redstone Group as you will not be disappointed!
Dennis Yang
Wow! what a great experience we had with Ed Torres, Glenda and their team! Ed is the best Realtor in the area, period. He has exceptional knowledge of the market, outstanding communication, strong negotiation skills and is super efficient and effective during the entire process until the very end. Ed truly cares about your needs and personal choices, he is very genuine about looking what's best for you and respects your time and is very patient by giving your space and time to look and choose for the right home. Ed and his team are very professional and reliable, I highly recommend anyone looking for a property to choose him as the best Realtor in the area! We are very grateful and happy with our purchase!
Ever & Olga
As a first time home buyer, I had THE BEST experience I could have possibly had. I met with other realtors but they did not provide the best deals, responsiveness, and guidance compared to Ed Torres. Ed understood the type of homes I wanted that fit within my price range, location, and the style of the home. He was very responsive during the house-searching process by providing prompt information on our desired homes, offers and counter offers, provided guidance, and went above and beyond to ensure I purchased my first home. It was all thanks to Ed Torres as his expertise and guidance helped us clutched this home when it seemed like we were not going to acquire it. He works LIKE MAGIC because he can make your desires come true. I highly recommend Ed to friends and families because of his superb personality, expertise and his negotiation skills. When my younger siblings are ready to purchase a home, he will be my GO TO GUY.
Kevin, Eric & Alyssa
We feel so fortunate to have had Ed’s help in our home buying process. It was a pleasure working with him from beginning to end. As this was our first time buying a home, we had a lot of questions and were learning about the process as we went. Ed’s responsiveness to every text, call, and question from us gave us a lot of peace of mind and was very appreciated. His positive and solution-oriented attitude was reassuring and we could tell that he truly wanted to help us in any way he could. We would enthusiastically recommend Ed to any friend looking for a great real estate agent. Thank you for everything, Ed!!!
Tyler LaPointe
Ed is the best realtor ever !!! He made my process very smooth and he took the time to make sure I understood everything. This was my first time buying a home . Thanks for everything Ed!
