Essential Information
FFS Credit Guide
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Step 1. Find out how much you can borrow
The first step in obtaining a loan is to determine how much money you can borrow.  In case of buying a home, you should determine how much home you can afford even before you begin looking. By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.

You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities.  It is recommended that you get pre-approved before you start looking for your new house so you: 

  • Look for properties within your range.
  • Be in a better position when negotiating with the seller (seller knows your loan is already approved).
  • Close your loan quickly (loan already approved) .

> Step 2. Select the right loan product