
Episode #15
Don’t Get Pre-Qualified—Get Pre-Approved Instead (Home Buying & Lending Tips)
<p>In this Anchored Real Estate podcast episode, Johnny and co-host/broker Cody Chembars explain why getting pre-qualified is a weak step and why buyers should get pre-approved before touring homes. They discuss finding a lender through an agent, highlighting Johns Creek Mortgage as a broker with access to many banks and noting specialized lending referrals, including divorce-focused lending. They outline what lenders typically need (pay stubs/W-2s, work history, tax returns for self-employed borrowers, bank statements, and a soft credit pull), and how lenders calculate debt-to-income ratios and provide approval amounts. They emphasize focusing on monthly payment, not...

