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Get Pre Approved for a Mortgage

With our pre-approval program you'll be certain
your mortgage will be ready to close on time once you find a home.

When should I get Pre Approved?

You should begin the pre-approval process about a week or two before you're ready to start seriously home shopping and potentially making offers to buy. Because we will be documenting your qualifications such as employment, income and assets, pre-approvals are valid for 120 days until needing to be updated. Also, your credit will be run and your application along with verification documents will be reviewed by our underwriters who approve your loan except for property-specific items. Then, once you have found a home, we'll review the sale contract, title work and appraisal then get your loan ready to close quickly.

If you're just researching options for buying a home but are not ready to get pre-approved yet, click here to get Pre Qualified.

Become an Approved Home Buyer 

Close on-time
Guarantee

If we are not able to close by the date on our Closing Date Guarantee Certificate, we will pay you $2,000

Terms and Conditions>

Great Rates

Our fixed rates are consistently lower than the national average while continuing to provide 5 star service to our customers.

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Seller's Closing Guarantee

Negotiate with sellers from a position of strength with a solid pre-approval that's backed by a $2,000 closing guarantee for them should you not be able to close if we're at fault.

Terms and Conditions>

Stand out in a competitive real estate market with a

rock-solid pre-approval backed by important guarantees.

Great Rates on Purchase Loans!

30 YEAR FIXED APR

5.007%

15 YEAR FIXED APR

4.273%

Exclusive features and 5 star service shouldn't cost extra.

Our direct marketing, low operating costs and technology-enabled efficiencies enable us to offer interest rates that are consistently below the national averages.

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Your Loan Will Close On-Time.
We Guarantee It!

Get Pre-Approved with us and We'll Guarantee a Quick Closing.

Many things come together at once when closing on a home purchase. We understand how stressful it can be and do the work necessary on our end to ensure you'll have a smooth, on-time and worry free closing. We even guarantee that once you're pre-approved with us, when your find a home, your loan will close on-time in as soon as three weeks. If not, we'll make your first payment (up to $2,000).

Terms and Conditions>

 

Seller's Closing Guarantee

Your Purchase Offers will Stand Out with a Guaranteed Closing for the Seller

With homes in many areas seeing multiple offers - often above asking price, the real estate market is competitive like never before. With our Close on Time Guarantee for you and now our $2,000 Closing Guarantee for the Seller we give you all the tools to stand out and succeed. Once pre-approved, if your transaction qualifies, we will issue a guarantee to the seller that your loan will close or we'll pay them $2,000 if it doesn't and we're at fault.

Terms and Conditions>

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Great Service - No Compromises

We started Local Mortgage to bring something different to the mortgage market. For a while now, customers have had to choose between low rates with technology driven companies, generally sacrificing on service or getting typically higher rates from local loan officers that sometimes offer a higher level of service than their online counterparts. Not anymore…

 

If you want the best rates, great products and the right blend of technology with a human touch during your mortgage process, you are in the right place. When you are ready to buy a home, you will feel at home with Local Mortgage.

Travis Chapman, CEO

Become Our Customer and We'll Make You a Fan

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