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Before you start looking for your first home, we will inform you of how our process works.

Surge Mortgage Advisors can help you on your way to home ownership! Fill out the Contact Us form on the right, email us, or give us a call so we can explain the steps for getting Pre-Qualified.  With a prequalification letter in hand, you know that you may get approved for a mortgage before you even look at your first potential new home.

Some realtors require buyers to get pre-qualified before even starting to house hunt. A simple mortgage prequalification letter can help you narrow your search to find exactly the home you need. It also makes the mortgage application process that much smoother.

Determine how your credit looks.

Lenders will look at your payment history, income, and current debts to determine how likely you are to pay your loan each month. The number value assigned to your “reliability” is known as your credit score and is one of the biggest factors in getting approved for a mortgage.

There are many websites that allow you to quickly check your credit & credit score for free. Two of our favorites are and

If you have a credit score below 640, consider delving deeper into your report to make sure it is accurate. Stay current with all monthly payments and reduce debt where possible to boost your score.

Talk to an expert at Surge Mortgage Advisors about your financial history, goals, and the path to buy a home.

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