It's important to be clear about using the word 'approval' in any form. Every person has their own unique situation that determines what kind of mortgages (and rates) they qualify for, or not. These are things such as credit scores, income, employment status, and more. Sometimes people don't qualify for a mortgage due to a number of possible reasons based on the guidelines of that program. Omni-Fund, Inc is an Equal Housing Lender, does not discriminate, and adheres to The Fair Housing Act, and I completely agree. All applications will be treated fairly and based on the guidelines.

PLEASE NOTE that this is not a promise to lend or to get you an approval. You must qualify according to the guidelines of the program(s) you are applying for, and submit a complete application and credit report, along with all supporting documents that might be included in that process, and the lender makes a final decision about your application and any 'approval' offer(s).

I am here to help you through that process and make that as smooth as possible for you. If you don't qualify, then I will point you in the best direction that I can towards rectifying that.

Any applications and/or Pre-Approvals are based on private and confidential information you have provided on your application, credit report, and supporting documentation supplied to us, and is not a commitment to lend by providing. All information you provide is confidential. Final approval by the issuing lender is contingent upon continued verification of all information provided throughout the loan process, and including but not limited to the terms of your sales contract (if applicable), any underwriting conditions, and a satisfactory appraisal (if required), and may change if there are any changes to your credit, financial situation, or any other reason. Any change in the information provided may require a re-evaluation of your application or pre-approval request, and additional and/or updated information may be required.