Get Ahead of the Game by Being Pre-Approved!


Buying a home doesn't have to be hard. As your trusted mortgage consultant, Scott Grau is here to walk you through this exciting life change. A prequalification is the first step to begin the house-hunting process.

Before you fall in love with a home, complete our secure, online application form. This information will help Scott provide you with a clear idea of how much you qualify for and what your monthly payment and upfront costs will be. Plus, a prequalification helps the seller know you mean business. Click Prequalify to get started or give Scott a call to discuss the mortgage process in further detail. It is an honor to be your trusted guide during your home buying experience.
** You are not required to use this lender for your home financing needs. Buyers are free to utilize a lender of their choice.

 

Scott Grau

Senior Loan Officer

NMLS# 1251792

Bay Equity Home Loans

5345 Town Square Dr. Suite 260
Plano, TX 75024

Phone: (214) 500-2182
Email

sgrau@bayeq.com

Get Pre-Approved Today!

Pre-Approval

This is a written commitment from a lender to extend a mortgage to you for a specific amount and time period.

It is important to understand the difference between pre-qualification and pre-approval. A Pre-qualification determines your ability to repay a loan based on information you provide. Your liability, asset and income information are reviewed by a licensed mortgage loan originator to establish the maximum purchase price you can afford and how much you may be able to borrow. A Pre-approval is when your information is reviewed and verified by an underwriter. This involves an analysis of your financial status and credit history. With a pre-approval, you’ll be able to negotiate your home purchase confidently. Realtors and sellers will often take your offer more seriously if you get pre-approved prior to house shopping because it lets them know you are ready to make a deal. A pre-approval may help streamline your process and result in a smoother transaction.

 

CrossCountry Mortgage, LLC. is an Equal Housing Opportunity Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580


Chris Pedison

Sr Loan Originator

NMLS# 272747

CrossCountry Mortgage, LLC

15851 Dallas Pkwy Ste 700
Addison, TX 75001

Phone: (903) 215-3226
Email

chris.pedison@ccm.com