MOLLY HAWKINS REALTOR - LANDHAWK REALTY - MISSISSIPPI
  • home
  • about me
  • referrals
  • listings
    • SOLD Listings >
      • 115 Hemlock - Batesville
      • 245 Woods Road - Pope
      • 708 Ferrell Road - Batesville
      • 210 Butler Street - Sardis
      • 196 Wells St. - Courtland
      • 545 Deer Run - Batesville
      • 1011 Avery Road - Batesville
      • 312 N. Main - Sardis
      • 129 Faith Drive - Batesville
      • 117 Hemlock - Batesville
      • 201 Park - Batesville
      • 924 Joiner Rd. Batesville
      • 260 Pollard Street - Batesville
      • 742 Ridgecrest Drive - Pope
      • 231 Pollard Street - Batesville
      • 219 Baker Street
      • 143 Dogwood Drive - Batesville
      • 92-Acre Lake House >
        • 92-Acre Lake House
      • 266 Nottingham Drive - Batesville
      • 207 Wilkerson - Sardis
      • 54 AC in Waterford - Lafayette County
      • delta riverfront home - Phillip, MS
      • 106 Quail Run Rd. Batesville
      • 390 Acres West of Como >
        • 230 Acres West of Como
        • 160 Acres West of Como
      • 1274 Baker Rd. - Batesville
      • 235 Fox Run Drive - Courtland
      • Commercial Building East of Batesville
      • 240 Pollard St. - Batesville
      • 12053 Hwy 35 S Batesville
      • 2 AC File Rd CR 113
      • 200 Miller St. - Batesville
      • 32182 Blackjack Rd. - Batesville
      • 1807 S. Frontage - Sardis
      • 113 Hemlock - Batesville
      • 8172 Eureka Rd. Courtland
      • 35 Acres on Ferrell Road
      • 58 Ford Road - Batesville
      • 71 Ridgecrest - Pope
      • 2863 Sardis Lake Drive
      • 37 CR 299 Oakland
      • 400 S. Main St. Sardis
      • 400 AC in Pleasant Grove
      • 108 East McLaurin - Sardis
      • 337 Katherine Trail
      • 101 & 103 Bates
      • 23737 Hwy 6 E Batesville
      • 15 1/2 Acres on Ferrell Road
      • 1797 Crouch Road - Batesville
      • 2177 CR 35 Rd Enid
      • 240 Tower Drive - Batesville
      • 211 North St. - Batesville
      • 28051 Hwy 6E Batesville
      • 1088 Flynt Dr. - Flowood, MS
      • 118 Oakleigh Dr. - Batesville
      • 51 Acres on Ferrell Road
      • 4151 Hubbard Rd. Courtland
      • 1414 Hentz Rd. - Pope
      • 351 Woodland - Batesville
      • 26 Acre Ranch with 2 Brick Homes
      • 507 Lakewood Dr. - Batesville
      • 98 Acres - New Pat's Bluff - Hunting Paradise
      • 792 Chickasaw - Pope
      • 50 Acre Delta Duck Camp >
        • 50 Acre Delta Duck Camp
      • 7571 Union Road Lakehouse
      • 201 Country Club Rd. - Batesville
      • 326 Jones St. - Courtland
      • 106 Dabney - Batesville
      • 4 Edgarwood - Batesville
      • 4977 Sees Chapel ~ Longtown
      • 1178 Travis Rd. - Courtland
      • 2541 Davis Chapel - Sardis - 28 Acre Farm
      • 4067 Good Hope Rd. - Batesville
      • 118 Trianon ~ Batesville
      • 15218 Hwy. 35
      • 283 Musgrove Rd. - Batesville
      • 108 Dabney Station - Batesville
      • 720 Hunters Parkway - Batesville
      • 305 Dettor St. - Batesville
      • 104 Ward Ave. - Batesville
      • 1720 Mallard Pt. - Batesville
      • Woodland Rd. - Golf Course Lot
      • 510 Henderson Rd. - Batesville
      • 207 North St. - Batesville
      • 414 Hightower St. - Sardis
      • 11000 Eureka Rd. Courtland
      • 129 Musgrove Rd. ~ Batesville
      • 209 Kyle St. ~ Batesville
      • 204 West Street
      • 178 Joiner Rd. - Batesville
      • 314 Baird Rd. - Batesville
      • 98 Acres - New Pat's Bluff - Hunting Paradise
      • 5089 Sees Chapel Rd. - Longtown
      • 209 Dogwood Lane - Batesville
      • 503 Exbury - Oxford
      • 109 Faith Drive - Batesville
      • 168 Cherry Lane - Batesville
      • 259 Pollard - Batesville
      • 227 Bates St. - Batesville
      • 320 Westmoreland Circle - Batesville
      • 19 Acres on Chapeltown Road
      • 203 Craig St. ~ Como
      • 129 Musgrove Rd. ~ Batesville
      • 30 Acres on New Pats Bluff
      • 203 Moore Dr. - Batesville
      • 103 Turtle Creek Dr. - Batesville
      • 205 Broad Street
      • 720 Hunters Parkway
      • 973 Baker Road ~ Batesville
      • 11238 Dummyline Rd.
      • 10160 Hwy. 51 Courtland
      • 420 Broad St.
      • 2541 Davis Chapel - Sardis - 28 Acre Farm
      • 934 Walnut Rd. - Sardis
      • 405 S. Pocahontas - Sardis
      • 255 Ford Road
      • 189 Cherry Bark Lane - Courtland
      • 226 1/2 Pollard Circle
      • 325 N. Main St. - Sardis
      • 1309 Hunters Parkway
      • 14232 Highway 35 S
      • 108 Rosemont Loop - Oxford
      • 367 Hunter's Parkway
      • Woodland Rd. - Golf Course Lot
      • 14912 Hwy. 35 South
      • 3008 Waldrup Road
      • 419 Van Buren Avenue ~ Oxford
      • 26 Acre Ranch with 2 Brick Homes
      • 200 Brinkley Lane
      • 131 Seven Rd.
      • 1684 Arkabutla Road ~ Coldwater
      • 1041 N. Crockett Rd. - Senatobia
      • 360 AC Hunting Land SOLD
      • 274 Oak Acres
      • 19 Acres on Chapeltown Road
      • 202 Westmoreland Circle
      • 297 Ridgecrest Drive - Pope
      • 212 Vick St. - Batesville
      • 360 Acres Hunting Land North MS
      • Lakewood Drive House Lot
      • 121 Taylor Circle - Taylor, MS - SOLD
      • 1298 Still Road - SOLD
      • 342 Oak Acres
      • 225 Katherine Trail (sold)
      • 2541 Davis Chapel - Sardis - 28 Acre Farm
      • 1075 Mill Cross Road
      • 202 Elm Road (sold)
      • 1397 Benson Road ~ Courtland (sold)
      • 5.4 Acres - 1075 Mill Cross Road
      • Fox Meadows - Mt. Olivet - Corner Lot (sold)
      • 419 Van Buren Avenue ~ Oxford
      • 37 Acres with Pond & Home - 1298 Still Road
  • why work with me?
  • blog
  • helpful information
    • links
  • quotes & inspiration
  • before you shop
Before You Shop - Pre-Approval
Why Should You Get Pre-Approved for a Loan?
Getting pre-approved for a loan will give you an idea of what home pricing you can afford. This helps you search for homes that are truly in your range. A pre-approval letter also shows real estate agents and sellers that you’re a credible buyer and are ready to act fast. Some sellers even require buyers to submit a pre-approval letter before allowing home showings, and many request them with an offer.  Also, if you make an offer on a house without a pre-approval letter, your offer may not be taken as seriously as an offer from someone who's already pre-approved.

What's Required in the Pre-Approval Process?
A lender will ask for some basic information about you and your financial history. If you've got another person on the loan (co-borrower), the lender will need the same information about them, too. Most lenders request social security numbers and permission to pull your required credit report. If your credit report satisfies their guidelines, they'll make a preliminary determination in writing stating that you would qualify for a particular loan. (Of course, each lender has its own standards and processes for determining whether to grant a pre-approval letter.)

What If You Can’t Get Pre-Approved?
If you're not able to get pre-approved for a mortgage, there are a few things you can do to work on this.
  • Improve your credit score. Your credit score is impacted by payment history, outstanding debt, the length of your credit history, recent new credit inquiries, types of credit used, and more. Generally a score of 720 and higher will get you the most favorable mortgage rates.
  • Correct any errors on your credit report, which could raise your credit score. The lender will analyze your credit report for any red flags, such as late or missed payments or charged-off debt. Even if you have "bad credit", there are ways to still get pre-approved for a mortgage.
  • Decrease your overall debt and improve your debt-to-income ratio. In general, a debt-to-income ratio of 36 percent or less is preferable; 43 percent is the maximum ratio allowed. The following link has a debt-to-income calculator to figure your debt-to-income ratio:  www.mortgagecalculator.org/calcs/debt-ratio.php
  • Increase your down payment amount in order to qualify for a larger loan. 
Talk with your own lender for more tips to improve your chances of qualifying for a loan.
​

Source:  www.zillow.com/mortgage-learning/pre-approval/
Home
Picture
Picture
Picture
Picture
New Site for Landhawk Realty, LLC
Mississippi Real Estate License #22895
Brokerage License: #22901

email me to help you get started with your Listing!

Contact: 
Molly's Cell: 662-609-8455          
Email:  mollymhawkins@gmail.com      
Or -   
Calvin hawkins - cell: 662-609-9710
Calvin's email: calvinhawkins6@gmail.com

FAX: 
1-769-241-0085
  
Landhawk Realty, LLC
Batesville, MS 38606 

https://www.landhawk.net/

  • home
  • about me
  • referrals
  • listings
    • SOLD Listings >
      • 115 Hemlock - Batesville
      • 245 Woods Road - Pope
      • 708 Ferrell Road - Batesville
      • 210 Butler Street - Sardis
      • 196 Wells St. - Courtland
      • 545 Deer Run - Batesville
      • 1011 Avery Road - Batesville
      • 312 N. Main - Sardis
      • 129 Faith Drive - Batesville
      • 117 Hemlock - Batesville
      • 201 Park - Batesville
      • 924 Joiner Rd. Batesville
      • 260 Pollard Street - Batesville
      • 742 Ridgecrest Drive - Pope
      • 231 Pollard Street - Batesville
      • 219 Baker Street
      • 143 Dogwood Drive - Batesville
      • 92-Acre Lake House >
        • 92-Acre Lake House
      • 266 Nottingham Drive - Batesville
      • 207 Wilkerson - Sardis
      • 54 AC in Waterford - Lafayette County
      • delta riverfront home - Phillip, MS
      • 106 Quail Run Rd. Batesville
      • 390 Acres West of Como >
        • 230 Acres West of Como
        • 160 Acres West of Como
      • 1274 Baker Rd. - Batesville
      • 235 Fox Run Drive - Courtland
      • Commercial Building East of Batesville
      • 240 Pollard St. - Batesville
      • 12053 Hwy 35 S Batesville
      • 2 AC File Rd CR 113
      • 200 Miller St. - Batesville
      • 32182 Blackjack Rd. - Batesville
      • 1807 S. Frontage - Sardis
      • 113 Hemlock - Batesville
      • 8172 Eureka Rd. Courtland
      • 35 Acres on Ferrell Road
      • 58 Ford Road - Batesville
      • 71 Ridgecrest - Pope
      • 2863 Sardis Lake Drive
      • 37 CR 299 Oakland
      • 400 S. Main St. Sardis
      • 400 AC in Pleasant Grove
      • 108 East McLaurin - Sardis
      • 337 Katherine Trail
      • 101 & 103 Bates
      • 23737 Hwy 6 E Batesville
      • 15 1/2 Acres on Ferrell Road
      • 1797 Crouch Road - Batesville
      • 2177 CR 35 Rd Enid
      • 240 Tower Drive - Batesville
      • 211 North St. - Batesville
      • 28051 Hwy 6E Batesville
      • 1088 Flynt Dr. - Flowood, MS
      • 118 Oakleigh Dr. - Batesville
      • 51 Acres on Ferrell Road
      • 4151 Hubbard Rd. Courtland
      • 1414 Hentz Rd. - Pope
      • 351 Woodland - Batesville
      • 26 Acre Ranch with 2 Brick Homes
      • 507 Lakewood Dr. - Batesville
      • 98 Acres - New Pat's Bluff - Hunting Paradise
      • 792 Chickasaw - Pope
      • 50 Acre Delta Duck Camp >
        • 50 Acre Delta Duck Camp
      • 7571 Union Road Lakehouse
      • 201 Country Club Rd. - Batesville
      • 326 Jones St. - Courtland
      • 106 Dabney - Batesville
      • 4 Edgarwood - Batesville
      • 4977 Sees Chapel ~ Longtown
      • 1178 Travis Rd. - Courtland
      • 2541 Davis Chapel - Sardis - 28 Acre Farm
      • 4067 Good Hope Rd. - Batesville
      • 118 Trianon ~ Batesville
      • 15218 Hwy. 35
      • 283 Musgrove Rd. - Batesville
      • 108 Dabney Station - Batesville
      • 720 Hunters Parkway - Batesville
      • 305 Dettor St. - Batesville
      • 104 Ward Ave. - Batesville
      • 1720 Mallard Pt. - Batesville
      • Woodland Rd. - Golf Course Lot
      • 510 Henderson Rd. - Batesville
      • 207 North St. - Batesville
      • 414 Hightower St. - Sardis
      • 11000 Eureka Rd. Courtland
      • 129 Musgrove Rd. ~ Batesville
      • 209 Kyle St. ~ Batesville
      • 204 West Street
      • 178 Joiner Rd. - Batesville
      • 314 Baird Rd. - Batesville
      • 98 Acres - New Pat's Bluff - Hunting Paradise
      • 5089 Sees Chapel Rd. - Longtown
      • 209 Dogwood Lane - Batesville
      • 503 Exbury - Oxford
      • 109 Faith Drive - Batesville
      • 168 Cherry Lane - Batesville
      • 259 Pollard - Batesville
      • 227 Bates St. - Batesville
      • 320 Westmoreland Circle - Batesville
      • 19 Acres on Chapeltown Road
      • 203 Craig St. ~ Como
      • 129 Musgrove Rd. ~ Batesville
      • 30 Acres on New Pats Bluff
      • 203 Moore Dr. - Batesville
      • 103 Turtle Creek Dr. - Batesville
      • 205 Broad Street
      • 720 Hunters Parkway
      • 973 Baker Road ~ Batesville
      • 11238 Dummyline Rd.
      • 10160 Hwy. 51 Courtland
      • 420 Broad St.
      • 2541 Davis Chapel - Sardis - 28 Acre Farm
      • 934 Walnut Rd. - Sardis
      • 405 S. Pocahontas - Sardis
      • 255 Ford Road
      • 189 Cherry Bark Lane - Courtland
      • 226 1/2 Pollard Circle
      • 325 N. Main St. - Sardis
      • 1309 Hunters Parkway
      • 14232 Highway 35 S
      • 108 Rosemont Loop - Oxford
      • 367 Hunter's Parkway
      • Woodland Rd. - Golf Course Lot
      • 14912 Hwy. 35 South
      • 3008 Waldrup Road
      • 419 Van Buren Avenue ~ Oxford
      • 26 Acre Ranch with 2 Brick Homes
      • 200 Brinkley Lane
      • 131 Seven Rd.
      • 1684 Arkabutla Road ~ Coldwater
      • 1041 N. Crockett Rd. - Senatobia
      • 360 AC Hunting Land SOLD
      • 274 Oak Acres
      • 19 Acres on Chapeltown Road
      • 202 Westmoreland Circle
      • 297 Ridgecrest Drive - Pope
      • 212 Vick St. - Batesville
      • 360 Acres Hunting Land North MS
      • Lakewood Drive House Lot
      • 121 Taylor Circle - Taylor, MS - SOLD
      • 1298 Still Road - SOLD
      • 342 Oak Acres
      • 225 Katherine Trail (sold)
      • 2541 Davis Chapel - Sardis - 28 Acre Farm
      • 1075 Mill Cross Road
      • 202 Elm Road (sold)
      • 1397 Benson Road ~ Courtland (sold)
      • 5.4 Acres - 1075 Mill Cross Road
      • Fox Meadows - Mt. Olivet - Corner Lot (sold)
      • 419 Van Buren Avenue ~ Oxford
      • 37 Acres with Pond & Home - 1298 Still Road
  • why work with me?
  • blog
  • helpful information
    • links
  • quotes & inspiration
  • before you shop