Get Pre-Approved for a Home
Accunet Mortgage's Rock-Solid Pre-Approval
Get the only mortgage pre-approval that comes with a $2,000 guarantee.
Not many mortgage lenders offer a fully-verified Rock-Solid Pre-Approval like Accunet Mortgage, let alone one that comes with a $2,000 guarantee (see guarantee details below). While this requires a significant amount of time and effort on our end, it’s worth it because gathering and analyzing all of the documents needed to approve your loan up front eliminates surprises down the road. Plus, it will give you a better understanding of what you can afford, helping you narrow and refine your search process.
With our Rock-Solid Pre-Approval, Accunet Mortgage verifies and analyzes:
1. Your credit history and credit scores
2. Your income and employment history,
3. Your down payment
The payoff is a pre-approval that tells you, your real estate agent, and most importantly, the seller that you are qualified and can actually afford the mortgage loan amount.
The $2,000 Guarantee
It’s simple. If Accunet Mortgage is unable to provide a final commitment letter that meets the terms of the Rock Solid Fully-Verified Pre-approval Letter we issue, Accunet will pay both the buyer and the seller $1,000 each.
Problems related to the property or any material change in the buyer’s financial condition will nullify our guarantee. That only makes sense, right?
Examples of things that would nullify our guarantee include but are not limited to a low or unacceptable appraisal, property condition, condo project or association issues, change in the buyer’s income or employment, change in credit and additional or undisclosed debts. A discontinuation of a special loan program used to qualify the buyer could also nullify the guarantee.
Any party agreeing to receive their $1,000 Guarantee Payment from Accunet Mortgage will be required to sign a settlement agreement prior to receiving the $1,000 Guarantee Payment. The Guarantee Payment will be made within 10 days of receiving the signed settlement agreement
Types of Home Loans
With so many different mortgage loan options to choose from, selecting one that’s best for you can be a daunting task. While understanding how much you can afford is an essential first step, it is also important to educate yourself on every available loan option for buying a new house or condo.
Inflation Crusher* helps lower your monthly Payment
- Accunet Mortgage will pay 1% of your payment rate for the first year – saving you hundreds, even thousands.
- You get the security of a 30-year fixed-rate mortgage locked in at today’s rate.
- For example, if you lock a 6.99% interest rate now, you’ll only pay 5.99% for the first year. Your rate is then secured for the rest of your term, so if rates rise, yours will never go above 6.99%.
How it Works
Potential savings on a 30-year fixed-rate $250,000 loan
|First Year||Remaining Term|
$164 per month = $1,968 total
Estimated First-Year Savings
How Much House Can I Afford?
Knowing how much home you may qualify for is the first step if your homebuying journey.
There are five main factors that come into play:
- Your total montly income
- Monthly payments (cars, student loans, credit cards)
- Property taxes on the home
- Interest rate and length of loan
- Down Payment
Curious about your home loan Limits?
Home Loan Options
Read more about the loan that best sutis your unique purchase situation:
First-Time Home Buyers
Some think of buying a home as a stressful process — and it can be. There are many things to keep in mind when buying your first home, and the amount of money being discussed can be intimidating. But with the proper guidance and preparation, being first-time home-buyer is immensely exciting.
This was our second time around with Accunet, and it was a very pleasant experience. Thank you one and all.
Another perfect close by Accunet! Thanks team for making this seamless and for saving us significant $.
Everything was completely seamless, everything was just great and well communicated from start to finish. I will use you again!
Learning Center - Tips for Home Buyers
The articles below are chock-full of tips and expert advice to help you effortlessly transition from pre-approval to closing.
*If client locks their initial rate on a purchase loan and chooses this promotional offer, the clients effective payment rate will be reduced by 1% for the first year of the mortgage. A custodial escrow account will be funded by a lender-paid credit and funds will be dispersed from the escrow account to the mortgage investor to subsidize the client's monthly payment for the first 12 payments. The actual mortgage Note Rate is the same for the entire term of the mortgage. Offer valid on primary residences only for 30-year fixed-rate loans that are eligible for sale to Fannie Mae and Freddie Mac. Offer not valid on Refinance loans, ARM products, investment properties, or vacation homes. Offer may not be redeemed for cash or credit and is nontransferable. Offer may not be used with any other discounts or promotions. This offer is subject to changes or cancellation at any time at the sole discretion of Accunet Mortgage. Additional restrictions/conditions may apply. This is not a commitment to lend and is contingent on qualification per full underwriting guidelines.
Refinance offer must be claimed by locking with Accunet initial rate between 180 days and 36 months from purchase closing date. Refinance loan must be on the same subject property as the original purchase loan. Accunet Mortgage will cover the following fees as a lender paid credit: appraisal fees and credit report.