Why Get Pre-Qualified? 

1. Pre-qualification acts as a dry run of the loan application process. The mortgage lender will use details you provide about your credit, income, assets and debts to arrive at an estimate of how much mortgage you can afford. The whole process may take only minutes or a few hours at most, and is free.

2. While a "pre-qual" is non-binding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general creditworthiness.

3. These days most sellers will NOT accept an offer without at least a pre-approval letter, so if you are serious about buying this is the first step towards getting you in your new home.

Get Started!


Breanna Smith
Mortgage Loan Originator

O: 470-252-3648
D: 770-540-5185
F: 866-217-7506

Email: breanna.smith@homestarfc.com

NMLS #1745735 GA #62021 Branch NMLS #164625 Georgia Residential Mortgage Licensee #46959 Branch AL #71200 FL #LO56216 MS #1745735 NC #I-182080 SC #MLO-1745735 TN #159495 Copyright © 2018. Homestar Financial Corporation NMLS ID #70864. 332 Washington St. NW Gainesville, GA 30501. All Rights Reserved. Georgia Residential Mortgage Licensee #17368. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity named in this email. Any unauthorized disclosure, use or dissemination is prohibited. If you have received this email in error immediately notify Homestar Financial Corporation’s system manager at emailsecurity@homestarfc.com. This is not an offer to enter into an agreement or a commitment to lend. Disclosures & Licenses






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