Why Get Pre-Qualified?

1. Pre-qualification acts as a dry run of the loan application process. The mortgage lender will use details you provide about your credit, income, assets and debts to arrive at an estimate of how much mortgage you can afford. The whole process may take only minutes or a few hours at most, and is free.

2. While a "pre-qual" is non-binding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general creditworthiness.

3. These days most sellers will NOT accept an offer without at least a pre-approval letter, so if you are serious about buying this is the first step towards getting you in your new home.

Stephanie D. Benedict

Senior Loan Officer

Union Home Mortgage

UHM NMLS #2229 LO NMLS #177083


I have been in the financial industry for 25 years and have been serving clients home financing needs since 2009.

Whether you are purchasing or refinancing, I have the knowledge and expertise to guide you into the appropriate program.

I will discuss with you all of your available options, so that, together, we can determine the loan that is right for you!

You will experience accurate and timely communication, as well as, quick closings.

Myself along with my team of highly professional experts control the entire loan process from application-to-closing.

If you give me the opportunity to earn your business, you will not be disappointed. 

I look forward to working with you!!

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