Pre-Approval
Getting pre-approved is essential to a successful real estate transaction. As a buyer, this is your oppotunity to establish a budget with your mortgage broker or lender and determine how much house you can afford.
Your broker will use details you provide about your credit, income, assets, and liabilities to find the best loan products for you. The whole process takes only a few minutes and is completely free.
While a pre-approval is non-binding on the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your qualifications.
These days most sellers will NOT accept an offer without a pre-approval letter, so if you are serious about buying, this is an essential first step.
We highly recommend that you give our friends over at DML Mortgage a call to get pre-qualified today!
What You Will Need
Expedite the pre-approval process by going to your mortgage broker or lender with all of the necessary documentation in hand. Most lenders will require the following:
- Last two years' tax returns with W-2s and/or 1099s
- All paystubs from the last 30 days
- Last two months' bank/brokerage statements
- A copy of your photo ID
- Most recent mortgage statements (if applicable)
- Estimate of monthly expenses
Testimonials
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Could not say more about working with United Real Estate!!!! They were professional and responsive from the beginning. Walked us through the whole process of buying a house and helped us find our dream home!!! We are so thankful for their patience and knowledge. They we able to help us with everything we needed as new first time home buyers!!!
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- Peter J Talman
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I wanted to own a home but was hesitant to buy. I thought I would be overwhelmed by the process for a number of reasons. My team at United Real Estate LLC, headed by James, was with me every step along the way. They promptly responded to my emails and phone calls, always steered me in the right direction and made sure all of my paperwork was accurate and ready to go.
They made the process easier than I ever could’ve imagined.
I own a home now and I owe it to United Real Estate LLC because I couldn’t have done it without them. I recommend to anyone in the housing market to go with this team.
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- Louis Salvatore
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James helped my family sell our home. Him and his team really went above and beyond to help us take control of the whole process and was with us every step of the way. I really appreciated the attention to detail. Thank you!
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- Alex Baransky
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I’d just like to say how grateful I felt working with Deb Milone to rent my house in Peekskill. This is my first time renting and she answered all my questions and reinforced the idea that I had to be comfortable with the people who would be living there. I trust her intuition about people based on her extensive business experience and I really felt that she had my best interests at heart. She advised me well about price and we had inquiries almost immediately. I actually had more than one really good candidate to choose from in less than two weeks from the initial listing. Deb made the entire process easy and painless!
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- Lynn Amos
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Bill and his team were SO helpful in helping me find an apartment!!!! Both were incredibly kind, responsive, and helpful, and they made the entire process totally painless. All in all, a wonderful group to work with. Thank you!!
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- Michelle Mione
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As first time homebuyers James was awesome when it came to our home purchase. He was aggressive and put us first in making the deal happen. He was there for us every step of the way. Always available to answer any questions we had. I don't think there is another agent out there that will go the extra mile to make sure their client finds the right house for them! Thank you James for helping us start our new chapter!
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- Fiorella De la Torre
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James was extremely knowledgeable and professional. He knew the area and the market and helped us find our dream home, got us our mortgage and even helped us refinance 5 years later! 1 stop shopping!!
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- Zachary Yonkler
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Nick Schunk is model real estate agent and will go the extra mile for you to get the deal done! He is reliable, responsive, knowledgeable, and just all-around a great guy to work with!
When I decided to sell my home, I interviewed a few different agents. I chose to work with Nick because he was able to talk about the market intelligently and was professional and knowledgeable.
And I am so glad I did! During the sale, my heater stopped working. Because I was abroad and unable to travel to the states due to Covid, Nick went above and beyond his duty to help me fix the boiler as well as negotiate with ConEd. If you have dealt with ConEd before, you know they can make life so miserable! I was concerned that the deal would fall through but Nick never gave up and spent countless hours on the phone with ConEd and found a solution!
I am just grateful for Nick and his dedication to his job. Only in a crisis you get to see someone’s true character. Honestly, not many real estate agent would do that for a seller but Nick did. That’s why I can recommend Nick enough to other sellers and buyers and will continue to work with him in the future! Thank you Nick!
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- K Z
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My husband and I used United Real Estate to find our new home and we were extremely happy with the services we received. James, in particular, was very responsive, knowledgeable about the Westchester area and attentive to the style we were looking for. He was persistent until we found something we really loved. He was always willing to meet for a showing when it was convenient for us and provided us with valuable information about our community and owning a home for the first time. They made this process as smooth as it could have been. We highly recommend this company to anyone looking for a new home and wants to work with people who are dedicated and trustworthy.
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- Angela Chwick
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Mr. Nick Schunk was both our buying and selling agent during the 2019 cycle. His expertise in the industry was very broad with a super detailed knowledge of the regional market. That saved time and got us where we were going with both search and pricing. In specific instances during our work, Nick demonstrated much needed tenacity with prospective partners and was an honest purveyor of info, both good and bad. All in all, this was a very positive experience.
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- Steven Friedman
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My wife and I worked with Bill to purchase a house for roughly six months. Through all of our viewing requests, questioning whether we were ready, and wanting to look at houses all over Westchester and Connecticut, he was always patient, helpful, and willing to work with our schedule. We had a lot of communication with others in his office, including Brian, and everyone was very attentive and responsive. Overall, Bill and United Real Estate made the entire buying process very smooth and manageable. We could not recommend them enough. They were never pushy and never misled us; they are the type of people you hope to have as your neighbors - very down to earth and knowledgable. Thanks again!
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- Michael Dorn
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I was introduced to Robert a few years ago and did a few inspections for him. Then he introduced me to Bill, Nick and finally James. I recently met Martin too. They are all very professional and knowledgeable. I get to meet and work with a lot of real estate agents and they are at the top of the list. All of their clients are always happy with them too.
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- Stephen Spina
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I had a phenomenal experience with United Real Estate LLC. James was a pleasure to work with. He was very passionate and knowledgeable, and always readily available to answer any questions. Within a few weeks, James found our dream home in Mount Vernon, right outside of Bronxville, which was exactly the area we had in mind. He was able to secure a private showing before the official open house, and within the course of 3 days, we had an accepted offer. What’s more, he met us on site and introduced us to some of our new neighbors to ensure our quick assimilation. This was in November of 2018 and James still calls to check in. I can’t say enough positive things about our experience. I highly, highly recommend working with United!!
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- Salvatore Imperati
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James Schunk helped us buy a rental property in Armonk, NY. He was a pleasure to work with. He was professional, responsive and proactive thru the entire process. We have worked with many real estate agents and have never encountered anyone with as much customer focus and willingness to go the extra mile. We will be using him to list the property for rent as well as for future real estate transactions. We recommend him highly.
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- Jane C
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James helped my wife and I find our first home. We have young children and were looking for a place to raise our family. He helped us navigate the market and find a great house. He was knowledgeable, professional and diligent throughout the entire process.
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- David Erner
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Had a great experience with James. We worked with him for both the sale of our co-op and the purchase of our home. We were walked through the process and informed every step of the way. He was always available to answer questions. Very knowledgeable and helpful. Would definitely recommend!
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- Mr. Salvatore
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I worked with James in 2019 on buying my first home. As a first time home buyer, I had so many questions and uncertainty. James made the whole experience so easy and exciting (as it should be!)
When I explained to James what I was looking for in a home, he knew exactly what to look for. He wasn’t just trying to speed up the process and get me to buy the first one we saw. He took me to multiple places and gave me the pros and cons, he was very honest and very helpful in the decision making process.
Even after the purchase, he always made himself available in answering any questions I had.
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- Anna Bagienska
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James was fantastic throughout the entire process. He guided us through a very competitive market, landing us our dream home. James was honest, transparent and reliable through the entire process. James and the entire team at United was professional and knowledgeable on real estate, mortgages and used their experience to predict where the markets were heading. Would highly recommend!
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- Kristen D'Agostino
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10/10 would recommend these folks. Great help, professional, and made us feel comfortable during the whole journey.
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- Christopher Jagielski
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The Schunks and their team are incredible! Hurricane Ida destroyed our retaining wall and caused a gas leak just 2 days after we listed our 3 family property for sale. We were not in a position to make the repairs necessary and felt hopeless. Bill & his sons blew us away with their creative thinking and hard work. They communicated with the city on our behalf, organized & coordinated the repairs needed, all while structuring a deal that allowed us to self finance the buyer until the necessary work got done.
The United Real Estate team is truly brilliant and we cannot recommend them enough. Our bothers, sister and niece have all now worked with United and we will continue to refer them to anyone we can.
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- Sam Marizza
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Bill is a pro. Bottom line.
Bill is not only an expert at what he does but he treated us like family throughout our home buying process. For just one example, we were in negotiations on a three family house and the boiler was a concern. To calm our nerves, he sent one of his furnace guys to do an onsite inspection and record the findings when we could not be present. I could go on and on with more examples, but will end with this. When my wife and I are looking for that second home, we're calling Bill; he is who you want on your side.
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- John Kelleher
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It’s been a pleasure to work with James Schunk and the United Real Estate team! They made my home-buying process extremely easy and stress-free. James is extremely knowledgeable, professional, and responsive throughout the entire process and is always a phone call away even after closing. URE is highly recommended and the best in the area!
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- Ino Talic
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Working with James Schunk has been nothing but a pleasure. Being a home inspector, I have relationships with a lot of realtors that I could have chose from but I knew right away who I wanted to do business with. My wife and I used him not only to sell our condo but also to help us find our dream home and find us the best rate for our mortgage. Not only was he patient, but he also answered all of our questions in a timely manner, which was impressive in such a crazy market. James helped us negotiate the price of the house we were buying down and the condo we sold for asking. I recommend James to my family and friends and if you decide to go with another option, you are crazy!
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- Jeremy Scott
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They are experts in their field providing value and professionalism with their work. They also prioritize our needs making my wife and I comfortable throughout the entire process. I highly recommend!
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- Justin Wang
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October 4, 2023 5:28 AM UTC
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