"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
Marx & MJ
Arlington
Catesha
Fort Worth
Eduardo & Jessica
Irving
Maria & Javi
Oak Leaf
Charles & Mia
Arlington
Juliette, Mitsy, Renee
Fort Worth
Carmen
Mesquite
Samras & Vichheka
Fort Worth
Sonya
Arlington
Bennie
Dallas
Jovita
Dallas
Maritza
Grand Prairie
Reviews
We recently had the pleasure of working with Valerie Hernandez when looking for our home.We were first-time home-buyers with very little knowledge about how to find the right place, and we knew instantly that she was the one for us. and I remember how much she helped my parents to buy their first home.She is honest and hands-on, and she really helped to take the pressure off of us, and what I personally like about Valerie “she treated us as a family member and trying to get the best house to move in and if she find something wrong with the foundation or roofing or any part of the house she was telling that’s not going to work for us.We never felt forced to make an offer and when we finally found the "one" and ended up in a bidding war, Valerie walked us through every step of the negotiations, We have several friends looking for homes and thinking about selling, and we always recommend Valerie to them.
Yasir Abdulsahib
Valerie found exactly what I was looking for very quickly. She went above and beyond to make sure that all of my needs were met! Valerie was very responsive and answered every question!
Sheri Brock
We had an awesome experience with Valerie when we were looking for our home. She advised us on everything we had questions on. Kept us up to date with the whole process from start to finish. Valerie did a fantastic job in helping us get to our house we now call HOME SWEET HOME!!
Clorissa Almaraz
Valerie was outstanding throughout all the hurdles that come with selling a home. She takes the time to explain the steps that need to be taken when selling and allows her clients to fully understand the situation at hand.
Jewelysa Guzman
Valerie made our buying experience easy while educating us. She talked to us about things that were important as first time home buyers and also found us the best loan. She even helped me correct some things on my credit report to help with our loan. I was excited and nervous when we first decided to look for a house, thankfully she found us the perfect “first home”! If you are looking for an educated realtor who will answer all of your questions while making you a priority, Valerie is the right person!
St Judith Rivera
Valerie helped my daughter and her husband purchase their first home and I was very impressed with her knowledge and professionalism I too was very lucky to have her with the purchase of my first home. I highly recommend Valerie Hernandez she's amazing and goes out and beyond to help achieve your dreams of becoming a homeowner
Marlene Delgado
Highly recommend Valerie for excellent customer service and her knowledge of the industry.
David Carrasco-Loan Officer
Valerie made my siblings and I first time selling a house delightful with her wealth of knowledge and experience. She kept us up to date with the process of selling a home. We proudly recommend Valerie to our family and friends. Joyce, Mary & Mike
Joyce Timmons
Valerie is a colleague and she is an incredibly knowledgeable real estate agent. She is an expert in the field, goes above and beyond for her clients, and is confident. She truly provides the best customer service as I see her answering client calls all times of the day. All these qualities makes a smooth and a seamless transaction for her clients. This is allows her clients to feel confident during the process of buying, selling or investing. Valarie is a wealth of knowledge! She puts the term “community over competition” to truth. I appreciate Valerie sharing her knowledge, experiences, and resources with me and others in the real estate field. Her services to her clients and colleagues is second to none!
Lam Tram
My fiancé William and I commend her immensely! She was very structured and clam where is was needed. Valerie was also extremely honest and was not just trying to sale a house but make sure we absolutely loved our decision. Definitely trust her to not only help you find a house but a house you can make a home.
Emerald Turner
I would like to say Valerie you did an EXCELLENT job as our realtor. We weren't in the market long but she was very active with our needs. She was with us every step of the way. This crazy market we saw a total of 4 houses put an offer on one wasn't accepted the 2nd offer on another and it was. I want to say THANK YOU Valerie for your hard work!
