I got my pre qualification letter yesterday from Chase Mortgage!

I have been debating back and forth for weeks on if I'm actually going to apply for the mortgage. Moreso, fear of rejection after working so hard over the past 1 1/2 year getting everything I could cleaned up and removed mostly by myself (using this board for suggestions). So, I reached out to several mortgage brokers and banks and decided that Chase would offer me the better rate and discounts (because I'm a checking customer I can get discounts on having auto payments and cash back annually). I called the LO several times over the past two months, clarifying their requirements and making sure I understood what they would be looking for. I bit the bullet and applied a couple of days ago and the LO called me yesterday to verify some info AND issued me the prequal letter. I was sooooo excited I almost cried. I understand that this isn't over and I still have a long way to go, but even getting this far is such an accomplishment for me. I am going to gather all the necessary documents and schedule an appointment to get the PreApproval done, and get an appointment with a realtor to start officially looking for my 1st home. I get all warm and fuzzy saying that! Thanks for reading and all of the encouragement (mostly indirect by you guys posting on everyones posts)

I think I'm going to use this thread to document my process, so when it's your time you will know how my experience with them goes.soysupana wrote:
lmh6 wrote:
I have been debating back and forth for weeks on if I'm actually going to apply for the mortgage. Moreso, fear of rejection after working so hard over the past 1 1/2 year getting everything I could cleaned up and removed mostly by myself (using this board for suggestions). So, I reached out to several mortgage brokers and banks and decided that Chase would offer me the better rate and discounts (because I'm a checking customer I can get discounts on having auto payments and cash back annually). I called the LO several times over the past two months, clarifying their requirements and making sure I understood what they would be looking for. I bit the bullet and applied a couple of days ago and the LO called me yesterday to verify some info AND issued me the prequal letter. I was sooooo excited I almost cried. I understand that this isn't over and I still have a long way to go, but even getting this far is such an accomplishment for me. I am going to gather all the necessary documents and schedule an appointment to get the PreApproval done, and get an appointment with a realtor to start officially looking for my 1st home. I get all warm and fuzzy saying that! Thanks for reading and all of the encouragement (mostly indirect by you guys posting on everyones posts)Congrats! I keep getting emails from them to apply, but little do they know that I do not plan on applying for any home loan until next fall.

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