Starting the home-buying journey with a mortgage quote and pre-approval is key to setting yourself up for success. At Edge Mortgage, Inc., we make it simple to see what you qualify for, so you can shop for your dream home with confidence. A mortgage quote gives you a clear idea of potential loan options, estimated monthly payments, and interest rates, helping you make an informed decision. Plus, getting pre-approved with Edge Mortgage strengthens your offer, showing sellers that you’re a serious buyer with financing in place. Click below to begin your application and take the first step toward homeownership today!
our team
Ready to guide you through The loan process
Keri Imhof
owner/Loan Officer
Works with the client every step of the way to get them the best loan for their individual situation.
Kirstie Conradson
Loan Officer Assistant
Works with the borrower to collect documents and information needed to assist Keri with the pre-approval process and processing the loan.
Understanding the Difference Between Pre-Approval and Pre-Qualification
When you’re ready to buy a home and get a mortgage quote, knowing the difference between pre-qualification and pre-approval is essential. Although both give you an idea of how much you may be able to borrow, pre-approval is a more in-depth process that holds more weight with sellers. Knowing which step to take (and when) can help you make stronger offers and streamline your home-buying journey. Here’s a quick look at the differences:
Pre-Qualification
A quick, initial assessment of your borrowing power based on self-reported financial information.
Often doesn’t involve a hard credit check, making it a fast way to get an estimate of your budget.
Gives a rough idea of what you may qualify for but isn’t a guarantee of loan approval.
Pre-Approval
A more detailed process that involves a hard credit check and verification of your income, assets, and debt.
Provides a specific loan amount you’re approved to borrow, making it stronger in the eyes of sellers.
Often required before making an offer and helps your offer stand out, especially in competitive markets.