Purchase a Home in Charlotte, NC

If you're like most people, purchasing a home is probably one of the biggest investments you'll ever
make in your lifetime. If you're considering buying a home, you're likely aware of the complexity of the
endeavor. Because of the numerous factors to consider when purchasing a home, it's important to
prepare as best you can. At Ram Mortgage, LLC, we are dedicated to finding the loan that fits your
individual needs.

Getting Started

• Rent Versus Buy Calculator
  Click Here to compare renting versus buying
• Documents You Will Need
  Click Here to see what you'll need
• Ready to Get Your Loan
  Click Here to Apply Now

Getting Pre-Approved for a Mortgage

A mortgage pre-approval is a lender's review of your income, assets, debts, and credit to estimate how much you may be able to borrow before you make an offer. Many sellers and real estate agents ask to see a pre-approval letter with an offer, and it helps you shop in a price range that fits your budget. A pre-qualification is a quicker estimate based on information you provide; a pre-approval goes further by reviewing your credit and documentation.

1. Gather your documents — recent pay stubs, W-2s or tax returns, and bank statements. See the mortgage documents checklist.
2. Apply — complete the secure online application or call (980) 342-5726 to talk with a loan officer.
3. Credit and document review — with your authorization, we review your credit report, income, and assets against the guidelines of the loan programs that may fit.
4. Pre-approval decision — if the review supports it, you receive a pre-approval letter showing an estimated loan amount. Final loan approval still depends on the property appraisal, verified documentation, and underwriting.

A pre-approval is not a commitment to lend. Eligibility subject to AUS findings and program guidelines.

Home Purchase Loan Options

Compare conventional loans, FHA loans, and VA loans, or read our guide for first-time home buyers. Not sure where to start? See which loan is right for you.

Free Consultation

Complete this 30 second form to receive a no obligation consultation. We will analyze your situation and determine the best solution.