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Having a Pre-Approval in your hand before you start shopping for a home has many advantages. When you have a loan commitment, home sellers and real estate agents will know you are a serious buyer. Being approved for a loan makes the home-shopping process much more efficient and productive. Our Pre-Contract Loan Commitment gives you more leverage when you are negotiating a contract. This expedites the loan process when you have found your property.

How Can You Obtain A Pre-Approval? Fill out our Online Application or talk to one of our experienced Mortgage consultants at 901-259-2484. Than fax us your last two years W2 forms, last 30 days pay stubs and proof you have funds to close. Qualified borrowers receive their commitment the next business day.

Curious to know what size mortgage you qualify for? If so, you will want to use our Mortgage Calculators.

Rate One Mortgage offers a wide variety of loan programs to meet each borrower's needs.

Inquire about our No Income Verification/ No Asset Verification NIV/No DOC, No points or no down payment programs. One of our experienced Mortgage Consultants will be happy to answer any questions you may have.