Partners
Why Get Pre-Qualified?
1. Pre-qualification acts as a dry run of the loan application process. The mortgage lender will use details you provide about your credit, income, assets and debts to arrive at an estimate of how much mortgage you can afford. The whole process may take only minutes or a few hours at most, and is free.
2. While a "pre-qual" is non-binding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general creditworthiness.
3. These days most sellers will NOT accept an offer without at least a pre-approval letter, so if you are serious about buying this is the first step towards getting you in your new home.
First Rate Financial
- Website:
- www.firstrateak.com/julie-semmens
- Phone:
- 9073502919
- Contact:
- Julie Semmens
- Email:
- julie@firstrateak.com
Julie hails from the great state of South Dakota. After studying commercial aviation at UND, she became distracted by an Alaska pirate (fisherman) and said YES to making Alaska her new home. She has since grown to love and appreciate the unique opportunities and beauty Alaska has to offer, and feels fortunate to now be raising her three daughters on the famous Kenai Peninsula.
Julie spent several years as a real estate agent on a top-producing team in Alaska. After taking a break from the field, she decided to come back as a loan originator. Her attention to detail and aptitude for finding solutions for clients on a mission to purchase or refinance real estate, make her ideally suited for the lending industry. Above all else, Julie has a massive heart for her clients, and respects their goal of home-ownership like it’s her own personal goal. Julie is an excellent companion and professional to have on your home-buying or refinancing journey. She looks forward to working with you soon!
NMLS#1852254