Start with Your Goals

Think about where you want to buy, your timeline, and the monthly housing cost that feels comfortable. Include property taxes, insurance, maintenance, and other ongoing expenses—not only the loan payment.

Gather a Basic Picture

A loan officer may ask about your employment, income, assets, debts, and credit history. Ask which documents are needed and how to share them securely. Avoid sending private financial documents through a general contact form.

Bring Your Questions

Ask about loan types, down payment requirements, closing costs, APR, rate locks, and the steps between application and closing. A pre-approval is subject to review and should not be confused with a final loan approval.

Define the Goal

A refinance can be used to change a rate or term, replace an adjustable-rate loan, or access eligible equity. Start by identifying the outcome you want and comparing it with the full costs.

Compare Total Costs

Review closing costs, points, the new balance, and interest over the expected time you will hold the mortgage. A lower monthly payment achieved by extending the term may increase the overall interest paid.

Discuss the Trade-offs

Ask for a comparison tailored to your current loan and goals. Illustrative online calculators are helpful starting points, but they do not replace a personalized Loan Estimate.

Understand the Review

The terms pre-qualification and pre-approval can describe different levels of review depending on the lender. Ask what information was verified, whether credit was reviewed, and what conditions still apply.

Keep the Budget in View

The maximum amount a lender may consider is not necessarily the payment that fits your life. Consider savings goals, household expenses, and the costs of owning the property.

Ask What Comes Next

Find out how long the letter is valid, what changes must be reported, and how the property and final underwriting affect approval. A conversation or inquiry alone does not constitute a commitment to lend.

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