Before heading out and falling in love with that cute western bungalow or sleek mid-century modern, it’s wise to secure a pre-approval from your mortgage lender. First, your lender will give you a good understanding of what your monthly payments will look like. Second, a seller only wants to see offers accompanied with a pre-approval so they know they are negotiating with a buyer who can fulfill the obligations of the contract. Third, you may discover that you don’t need as much as originally believed for the down payment. Don’t know where to begin? The KRG team is happy to refer our buyers to a handful of capable and responsive lenders.