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Spokane Buyers Home Loan Information

Great Buyer Home Loan Information:

In today's world of Real Estate there are many different options for  financing a new home. We have designed our web site to try and give you as much information regarding the various types of mortgages as possible. As we lead you through the process, you will have a better understanding of how different mortgages work as well as a brief description of each of the most common types of mortgages. When buying a home you need to make certain you will qualify and be APPROVED for your new home loan by your lender. Many sellers will not accept an offer on their home without a good PRE-APPROVAL letter which meets the terms of the Spokane Multiple Listing Service standard Real Estate Purchase and Sale Agreement. Sometimes sellers will not remove their home from the market until they have been provided with a written letter from the buyer's lender stating the buyer has been PRE-APPROVED for their loan. This is also why it is critical from a buyer's standpoint to meet with a reliable Lender from the start of their home search process to ensure that they will be receiving financing and will not risk losing their perfect home to an already PRE-APPROVED buyer.Lets take a look at what a PRE-APPROVED buyer is in comparison to a PRE-QUALIFIED buyer. There is a big difference so look at both definitions closely.

Pre-Approved Buyer:
The lender has reviewed the buyer's formal written mortgage application and financial records, completed a satisfactory credit report, and then approves the buyer for a specific loan amount. This approval is subject to a satisfactory appraisal of the property and title report.

Pre-Qualified Buyer:

The lender takes the buyer's income, down payment, and employment background and will then qualify the buyer as an approvable buyer, contingent upon the lender approving the buyer's completed application including a satisfactory credit report and employment verifications etc. 

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11219 E 23rd Ave, Spokane Valley image
11219 E 23rd Ave, Spokane Valley $580,000

Lovely home located in the excellent Kokomo subdivision in the Spokane Valley. Situated on a large corner lot, this home is wonderful for entertaining. Outside is set up ...

  • 3 Beds
  • 3 Baths
  • SAR202220942 MLS
25040 E Reston Ct, Liberty Lake image
25040 E Reston Ct, Liberty Lake $875,000

YEAR-ROUND RESORT IN YOUR OWN BACKYARD!!! 1st time on the market. Luxury throughout! Main floor living with large bonus room/ensuite. Oak hardwood floors, 8 ft interi...

  • 4 Beds
  • 3 Baths
  • SAR202220941 MLS
525 E Summit Ave, Reardan image
525 E Summit Ave, Reardan $400,000

Welcome to Reardan, WA...Spokane's newest bedroom community! Located less than 20 miles from the city & nestled in among the rolling farming hills you will enter an adora...

  • 3 Beds
  • 2 Baths
  • SAR202220939 MLS
3018 N Laura Rd, Spokane image
3018 N Laura Rd, Spokane $374,900

Located in a darling Millwood neighborhood, you will find this cared-for 1 story home with a glistening pool!! Directly across from West Valley High School, boasting a to...

  • 3 Beds
  • 1 Baths
  • SAR202220940 MLS
13001 W 1st Ave, Airway Heights image
13001 W 1st Ave, Airway Heights $414,500

The Cambridge 1416 by RYN Built Homes. 1,416 SF, 3 beds, 2 baths, 2 car garage with openers. Open floor plan with cathedral ceilings in great room. Kitchen island & eati...

  • 3 Beds
  • 2 Baths
  • SAR202220938 MLS
4907 S Quinimose Rd, Liberty Lake image
4907 S Quinimose Rd, Liberty Lake $1,100,000

You found your dream property! 6 bedroom, 4 bathroom with a hugw main floor master suite, double sinks, walk-in closet and private balcony. Recent updates to the kitchen ...

  • 6 Beds
  • 4 Baths
  • SAR202220936 MLS
12972 W 1st Ave, Airway Heights image
12972 W 1st Ave, Airway Heights $469,500

The Avalon by RYN Built Homes in Traditions North. 2,360 SF, 3 bedrooms upstairs, 2.5 baths, office and family loft, and 2 car garage with 8' doors and openers. Large kit...

  • 3 Beds
  • 3 Baths
  • SAR202220935 MLS
3324 E Cleveland Ave, Spokane image
3324 E Cleveland Ave, Spokane $308,000

Welcome to the heart of Spokane! This move in ready, 4 bed, 2 bath has everything you need to feel at home. A full sprinkler system, new floors, and an insulated shop mak...

  • 4 Beds
  • 2 Baths
  • SAR202220094 MLS
324 E Rockwell Ave, Spokane image
324 E Rockwell Ave, Spokane $365,000

Beautiful bungalow minutes away from downtown. Close to shopping and a few blocks from medical services. Home features 3 bedrooms and 2 bathrooms. Original and newly refi...

  • 3 Beds
  • 2 Baths
  • SAR202220933 MLS
13022 E 39th Ln, Spokane Valley image
13022 E 39th Ln, Spokane Valley $549,900

Take a look at this amazing South Valley Rancher, located in the Pine Rock Ridge neighborhood! This zero-step entry home has been updated throughout, the floor plan is op...

  • 3 Beds
  • 2 Baths
  • SAR202220931 MLS

Listings last updated . All information provided is deemed reliable but is not guaranteed and should be independently verified.

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