Get Pre-Qualified

Get Pre-Approval from a Quality LenderMORTGAGE INFORMATION

Getting pre-qualified and pre-approved should be your first step in the home buying process. Many potential home buyers begin by looking at homes without really understanding their responsibility and legal requirements in the process of buying a home.  

Why Pre-Qualify
A quality lender or mortgage broker will take potential borrowers through an extended loan application process that pre-qualifies them for a mortgage loan. This is different than a pre-approval letter.  You as a potential borrower need to know the amount you can effectively borrow and whether or not you can afford the payments, insurance, taxes and other costs that come with home ownership.  Without knowing all the costs associated with home ownership you can not make the informed decision required to purchase a home.   

Many lenders will check your credit score, verify your income and quickly issue you a pre-approval letter and send you on your merry way to begin the hunt for a home.  Pre-approval is a good first start, however a great lender will take that process much further.  

This process is similar but in much greater detail.  The mortgage broker or lender will take you through the process as if you had already found a home.  They will look at credit scores, income and debt to income ratios.  They may include closing costs, insurance, taxes, flood insurance, mortgage insurance and numerous other costs that will be associated with owning a home.  

Searching for a Home
Once you have taken the step to pre-qualify, your real estate agent will be armed with the right information to help you through the buying process.  A pre-qualification letter will also strengthen your position in negotiating the purchase prices of a home.  We have seen first hand that a seller typically will be much more eager to consider a below list price offer from a buyer who knows their financial position and can provide them with written documentation to the fact.  This can save thousands of dollars for you the buyer that goes directly into your pocket.  

Below is a list of Lenders and Mortgage Brokers who have proven track records of high customer service standards.

Stockton Mortgage
NMLS #8259

Anna Pitcock

Mortgage Banker
1795 Alysheba Way #4106
Lexington, KY 40509
Phone: 859-455-8495
Mobile: 270-589-8260
Fax: 859-534-3385
NMLS# 651913


farm credit services



Real Estate Agent Referrals

With 24 agents working throughout Kentucky, we can save you time and travel when you become part of our referral network.  First class service for your clients with no worries.  

agent photo
Patrick Willis
Principal Broker, Auctioneer
Farm & Home Realty and Auction, Inc.
Email us

Leitchfield Office:
334 S. Main Street
Leitchfield, KY 42754
Phone: 270-259-3276

Hardinsburg Office:
33 Tules Creek Road
Hardinsburg KY 40143

Bowling Green Office
1212 Ashley Circle Suite 1
Bowling Green KY 42104

Testimonials Page

Dear Mr. Willis, On behalf of Mrs. Jewell Mudd, and her family members, I would like to sincerely thank you and the whole Farm and Home Realty and Auction Team for the successful auction of Mrs. Mudd’s personal property and real estate on May 3rd, 2014. Your Team’s focused commitment, resourcefulness, and complete professionalism resulted in a very successful sale that will provide additional resources for Mrs. Mudd’s continued care for several years into the future. During the auction process, the F&H Team provided excellent advice, counsel, and consistently delivered exceptional service in our preparation for this complex sale of the real estate, home, and personal property. With four generations of the Mudd family having lived in the home, the task of preparation and sorting the belongings for sale were especially challenging. Your team members “pitched in” to close a large gap in our preparation process and thereby ensured all the property was ready for presentation and auction to the buyers. From our first business interchange, the F&H Team consistently built our confidence in your ability to manage this process and to complete a successful auction on behalf of our family. Please pass along our deepest gratitude and appreciation to John Glenn, Aaron Haycraft, Todd Akridge, James Johnson, Pamela Willis and all the other Professionals at F&H who directly contributed to this successful auction outcome. Kathlyn Mudd Thomas, May 10th, 2014
I want to give a big THANK YOU to Ashlie for being so professional and for selling our cabin at ironwood that was on the market for over two years and for selling our lake front lot. We had both listed with people out of Louisville and had no luck until we signed up with Ashlie. No need to go out of the county we have one of the best right here. Michelle Stevenson, Bee Springs KY
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