Evansville Federal Credit Union
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Mortgages

Pre-Qualification/Pre-Approval


If you are actively house hunting, Evansville Federal Credit Union recommends that you get either pre-qualified or pre-approved so that you know how much house you can afford.

Pre-Qualification

The pre-qualification process includes analyzing your income, assets and present debt to estimate what you may be able to afford on a home purchase. A pre-qualification is only an estimate - it is not a guarantee that you would be approved for a loan in that amount. If you'd like to start the pre-qualification process, just fill out EFCU's Pre-Qualification Form and fax it to 812.424.2639, or bring it in to any branch.


Pre-Approval

A pre-approval involves all of the information in the pre-qualification, along with verification of employment, income, assets, debts and credit rating. A pre-approval means that you are pre-approved for a loan of a certain amount. Getting pre-approved will allow you to be confident in what you can afford, and can also make you more attractive to a seller. To get pre-approved with EFCU, click here for the application. Additional information may be required

As always, EFCU's Mortgage Specialists are here to help make your home buying process smooth and enjoyable. If you have any questions about pre-qualifications or pre-approvals, or anything else mortgage related, give us a call at 812.424.2621, option 4 or send an email to an EFCU Mortgage Specialist. We're here to help make you home dreams come true!


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