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At Heritage Home Loans, it's ingrained in our mission to empower you as the most well-prepared homebuyer in the market. Why? Because we hold the belief that homeownership is a dream within reach for all.


Our commitment goes beyond the ordinary; we're dedicated to furnishing you with the expertise, tools, and assistance necessary to distinguish yourself from other buyers.


Through comprehensive direction and tailored approaches, we guarantee your readiness and assurance as you navigate the path to homeownership.

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Achieving homeownership success is within your reach.

Allow us to light your path.

Know the Difference

Pre-Qualified

To secure a pre-qualification, we require a comprehensive understanding of your financial landscape, encompassing elements like your debts, credit status, income, and assets. Our meticulous evaluation of these details allows us to offer you an estimate of your potential qualifying amount.


Typically, the pre-qualification process is swift, taking merely one to two days. Once completed, you'll receive a pre-qualification letter, a checklist of essential items, and a loan estimate to guide you.


It's crucial to understand that pre-qualification hinges solely on the information you provide verbally or via your online application. This preliminary assessment doesn't involve an in-depth analysis of your supporting documents. Our primary goal is to furnish you with an initial evaluation based on the provided data, so you can take your initial strides toward realizing your home financing aspirations.

Pre-Approval

To secure an official Pre-Approval letter, it's essential to provide us with all the necessary supporting documents outlined in the "items needed list."


Our team will meticulously review and authenticate the documentation you submit. This thorough assessment enables us to furnish you with an official Pre-Approval letter, specifying an approved amount.


Engaging in the Pre-Approval process positions you, as the buyer, advantageously when competing with others for homes. By acquiring this authorized documentation, you exhibit your readiness and financial capacity, significantly enhancing your likelihood of successfully securing your desired home.

Your Key to Homeownership: Mastering the Art of Preparation for the Loan Application Process

Documentation Required for Pre-approval


  • W2 forms for the preceding two years
  • Federal Tax Returns (Form 1040) for the past two years (including all pages)
  • In case of business ownership, business tax returns and K1 forms are necessary
  • The two most recent paystubs
  • Statements from the last two months for all assets (checking, savings, money market, retirement, etc.)
  • Valid driver's license or passport
  • Additional documents that might be necessary: employment offer letter, educational transcripts, social security or pension award letters, divorce decree, bankruptcy records, and short sale documentation.
A Unified Front



Once your pre-approval is in place and the wheels of progress are set in motion, our commitment to ensuring a seamless experience remains unwavering.


As part of this, we will take the initiative to directly engage with your entrusted real estate agent. A detailed email will be dispatched to them, elaborating on the program for which you've been approved.

Our Process

Step 1

Discovery

Before we can prescribe a mortgage strategy, we need to learn about you, your unique financial situation, and your long-term goals. We want a solution that helps your immediate needs while also supporting long-term goals.

Step 2

Strategy

We carefully analyze mortgage options to find the lowest cost and highest prosperity potential for you and your family. You'll receive a digital Total Cost Analysis, providing a clear breakdown of your mortgage options.

Step 3

Execution

Our utmost priority is to create a flawless home loan experience tailored to your needs. In a highly competitive market, we excel at positioning you for a swift loan closing, ensuring you don't miss out on opportunities. 

Step 4

Wealth Maximization

Even after you've settled into your new home, our commitment to you doesn't end. We continue to proactively manage your mortgage and provide ongoing guidance to help you maximize your wealth. This is just the start of our relationship!

Annual Financial

Reviews & Planning

Embarking on the Financial Review & Equity Analysis signifies the start of a promising partnership. Our team will collect the necessary information to delve into your family dynamics, your present circumstances, and your real estate and financial aspirations for both the near and distant future.


Grounded in our evaluation, we will create a bespoke and comprehensive strategy, providing you the certainty you need to make informed choices. Additionally, we'll maintain regular contact, revisiting your goals annually to help steer you toward their realization.

Schedule a Financial Review
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