"Success in RE comes down to two factors: taking risks and taking action!"
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Get Pre-Approved
Getting pre-approved for a mortgage is one of the most important thing you can do when you're planning to buy a home.
Mortgage pre-approvals are documents that verify you can get approved for a mortgage loan. Pre-approvals are not an official loan approval - they are the green light to shop around and find the perfect home. You can't make an offer without a pre-approval.
The most crucial part of buying a home is being sure you can afford its payment. So, before you get pre-approved, decide how much you feel comfortable spending each month and write that number down.
A mortgage lender may pre-approve you for a larger monthly payment. We recommend you stay within your budget.
Mortgage pre-approvals are available for free through most mortgage websites with no obligation to proceed. Many home buyers get their mortgage from a different mortgage company that pre-approved them. So, don’t overthink this step.
The critical part of getting your pre-approval is that you get it. Without a pre-approval, you cannot buy a home.
As part of your pre-approval, the lender may ask for supporting paperwork, including:
Bank statements
W-2 statements
Pay stubs and proof of deposits
Federal tax returns
Student loan statements
You don’t need them downloaded or on your hard drive in advance. Just know where to find these documents when you get asked.
Mortgage pre-approvals get processed online or in person. The simplest pre-approvals are self-service.
Home buyers can get a free mortgage pre-approval from any mortgage lender or do a self-service pre-approval in under three minutes.
In this market, timing is critical. When you find the home you want, you may need to make an offer right away, otherwise someone else may get your home!
Being pre-approved enables you to move quickly and get that offer in!
I can’t tell you how many times I’ve seen a client fall in love with a house, but end up losing the home because they weren’t pre-approved. Getting pre-approved solves this problem, as it enables you to move quickly on an offer. You wouldn’t want to miss out on your dream home!
Ashley is the best in Southern Maine- without a doubt. Her responsiveness combined with her knowledge and local connections- make her unmatched. I’ve bought and sold several properties with Ashley with ease. For investment properties, she treats it like it’s her investment. She leans in to help you land a great deal- and advises you when it’s not.. and with a quick pivot to the next deal! And for single family homes, I’m sure she’s the only reason I was able to get my home in the peak Covid market. She went above and beyond to get us to the closing table. You won’t regret working with her!
Ashley was excellent she goes over and above what is needed. She had our house sold within a few weeks. We were very happy with her and the outcome and would recommend her to everyone. We have used her several times. Thank you Ashley for all that you do
My family and I recently had the pleasure of working with Ashley Fearon from A Team Realty, and we couldn't be more thrilled with the exceptional service she provided during the sale of our old home and the purchase of our new dream home. Ashley's expertise and dedication were evident from the very beginning, and she truly went above and beyond to make our real estate journey a smooth and successful one. One of the standout qualities of Ashley is her ability to navigate unique and challenging situations, and that's precisely what she did when it came to the sale of our home. There were some intricate loan matters involved, and Ashley handled them with remarkable skill and finesse. Her in-depth knowledge of the real estate market and her experience in dealing with complex transactions gave us the utmost confidence that we were in excellent hands. Throughout the entire process, Ashley's professionalism and commitment to representing us well were evident. She kept us well-informed and involved, ensuring that we were always in the loop about any updates or developments. We never had to worry about the details because Ashley was meticulously handling everything in the background, taking the weight off our shoulders and allowing us to focus on our family's needs. But perhaps what stood out the most was Ashley's genuine passion for finding us the perfect home. She took the time to understand our preferences, needs, and aspirations, and she worked tirelessly to find properties that truly matched our criteria. Her patience and determination paid off when she led us to our dream home, a place where we can see our family making cherished memories for years to come. Ashley Fearon is more than just a realtor; she's a trusted partner who had our best interests at heart every step of the way. Her integrity, knowledge, and exceptional negotiation skills were instrumental in ensuring that we got the best possible outcomes on both the sale and purchase of our homes. We wholeheartedly recommend Ashley Fearon and A Team Realty to anyone in need of a top-notch real estate agent. Whether you're selling or buying a property, you can trust Ashley to provide unparalleled service and make your dreams a reality. Thank you, Ashley, for making this experience a truly wonderful one for our family!
Ashley is incredible! She makes you feel as though you are the only one that she is working with. She's extremely prompt in responding to any ask or request you have. ..and at all hours! She showed us several properties in southern and central Maine for 4+ months and did it with patience and grace. She got us into properties very promptly, gave us feedback and thoughts on each one. We changed direction and pivoted several times with our geographic area and the type of property we were looking for and she took it all in stride along the way. Her professionalism, kindness and humility are top notch. I would recommend Ashley, without any hesitation, to anyone and everyone!
Ashley came to us and expressed she had a buyer who wanted to be in this neighborhood. They had a property to sell. The outcome couldn’t have been better! She worked with us and the buyer being very informative, knowledgeable and guiding us through the process to get the sale completed. I would definitely want her as a realtor if the opportunity arises again
Ashley was great to work with! She responded to questions I had promptly, most of the time with in a hour. Ashley’s confidence and knowledge made the entire selling process a really good experience for me. Thanks Ashley.
Ashley’s incredible knowledge and skill set as a realtor is only surpassed by her patience, empathy and support. Ashley exceeded all expectations. I was constantly impressed and reassured at her abilities. My loan was not straight forward and she navigated and mastered every turn we came to. I can’t thank her enough.
Working with Ashley was a joy. We needed a realtor we trusted last minute and she jumped right in to help us buy our dream home. She has the knowledge, expertise, and professionalism that everyone needs in their realtor. We cannot recommend her enough - thank you Ashley!
Ashley did an outstanding job on helping us find the perfect place! She is the absolute best every one needs an ashley if you’re looking for the perfect place she’s your girl. She is always willing to go to multiple places to make sure it’s the one for you. She always right on time and responds immediately. Also has tons of knowledge on all sorts of places and making sure it fits ur needs.
As a first time homebuyer in need of a place to stay as soon as possible, Ashley found me a home incredibly quickly and got me through the entire process with ease. She was incredibly responsive, helpful and caring the entire time. I would absolutely recommend Ashley 100x over and would love to work with her again in the future! Thank you Ashley.
Ashley did an outstanding job helping me buy and sell. She helped me buy a house that wasn’t even on the market. She is incredibly responsive and extremely knowledgeable!
Ashley helped me sell 2 homes: a 5 room ranch on 3.6 acres in the small town of Harrison, ME and a 10 room house on beautiful Long Lake, Harrison, ME. Ashley demonstrated great negotiation skills and I received more than the asking price in both transactions. In addition to being a capable negotiator, Ashley took time to find out what my needs were going forward. Not too long after selling my houses, she called me about a condo that she thought would work for me. She even came to pick me up. After the showing I immediately made an offer. She helped me through the purchase and sale negotiations and explained different avenues I could take to close the deal quickly. Her suggestions were perfect and I was able to buy the condo of my dreams! ! She is an extremely highly skilled and well qualified broker. She understands all aspects of the housing market, but her most commendable gift was her ability to listen to me, find out what I wanted and work tirelessly for me. She gave me 150%...and I am very happy in my new condo! I highly recommend Ashley Fearon to help you with your next home sale or purchase. She will always do right by her client!
It was an amazing experience both selling and buying a home with Ashley by my side. She is extremely knowledgeable, thorough, prompt, professional and patient. While she goes above and beyond, she also obtains a top notch quality of listening and obtaining her clients desires and needs. She truly cares, respects and understands how personal this process is. As a buyer and seller, 5 times thus far, I have found my realtor that I will continue to work with any future real estate endeavors.
Ashley did a great job assisting us with selling our property. She is knowledgeable, experienced and caring. I would strongly recommend Ashley to anyone looking to buy or sell their property!
Ashley went above and beyond to help us sell our income property. She marketed the property aggressively and went out of her way throughout the entire process negotiating on our behalf. This sale was complicated, as it involved addressing multiple inspection issues and difficult tenants. She was ALWAYS answering my every call and text no matter what time of the day. Her professionalism, mentorship, knowledge, honesty and hard work ethic are much respected and appreciated! ?? ?? ?? ?? ??