Know exactly how much home you can afford. Our preferred lender provides fast, personalized pre-approvals with competitive Michigan rates.
Experienced Michigan mortgage professional who has helped hundreds of our clients secure competitive financing.
Finding the right lender is just as important as finding the right home. James Taveggia at Union Home Mortgage has been our team's go-to lending partner because he consistently delivers for our clients.
James works closely with our agents to ensure smooth closings with no last-minute surprises.
Four simple steps from application to approval letter in hand.
Fill out the form below or call James directly. Provide basic information about your income, employment, and financial goals.
Upload or email your pay stubs, W-2s, tax returns, bank statements, and ID. James will review everything and pull your credit.
James analyzes your financial profile, determines your maximum loan amount, and issues your pre-approval letter, typically within 24 hours.
Armed with your pre-approval letter, you are ready to make competitive offers. Sellers take pre-approved buyers seriously.
Gather these documents ahead of time to speed up your pre-approval.
Sellers prefer pre-approved buyers over those with only pre-qualifications. In competitive markets, it can be the difference between winning and losing a bid.
Stop guessing what you can afford. A pre-approval gives you a specific number so you can search confidently within your price range.
Much of the underwriting legwork is done during pre-approval. This means a smoother, faster path from accepted offer to closing day.
Once pre-approved, you may be able to lock in your interest rate, protecting you against rate increases while you shop for homes.
The pre-approval process reveals potential problems like credit errors or documentation gaps that could delay your purchase later.
Pre-approval gives you leverage at the negotiating table. Sellers are more willing to negotiate with buyers who have proven financing.
Fill out the form below and James will be in touch within one business day to get you started.
Most pre-approvals are completed within 24 to 48 hours once all required documents are submitted. James often provides same-day approval for straightforward applications.
A pre-approval involves a hard credit inquiry, which may temporarily lower your score by a few points. However, multiple mortgage inquiries within a 14-45 day window are treated as a single inquiry by most scoring models, so shopping around is encouraged.
Most pre-approval letters are valid for 60 to 90 days. After that period, your lender may need to re-verify your financial information and pull a new credit report to reissue the letter.
Pre-qualification is an informal estimate based on self-reported financial information, with no verification. Pre-approval involves the lender verifying your income, assets, debts, and credit, resulting in a conditional commitment. Sellers strongly prefer pre-approved buyers because it shows proven financial ability.
Yes. FHA loans accept credit scores as low as 580 for 3.5% down. James works with buyers across the credit spectrum and can recommend steps to improve your score if needed. There are also credit repair resources available.
There is no cost or obligation to get pre-approved through James Taveggia at Union Home Mortgage. You only pay fees if and when you move forward with a mortgage application for a specific property.
Pre-approval is free, fast, and puts you in the strongest position to buy your dream home.
