"Success in RE comes down to two factors: taking risks and taking action!"
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Get Pre-Approved
Getting pre-approved for a mortgage is one of the most important thing you can do when you're planning to buy a home.
Mortgage pre-approvals are documents that verify you can get approved for a mortgage loan. Pre-approvals are not an official loan approval - they are the green light to shop around and find the perfect home. You can't make an offer without a pre-approval.
The most crucial part of buying a home is being sure you can afford its payment. So, before you get pre-approved, decide how much you feel comfortable spending each month and write that number down.
A mortgage lender may pre-approve you for a larger monthly payment. We recommend you stay within your budget.
Mortgage pre-approvals are available for free through most mortgage websites with no obligation to proceed. Many home buyers get their mortgage from a different mortgage company that pre-approved them. So, don’t overthink this step.
The critical part of getting your pre-approval is that you get it. Without a pre-approval, you cannot buy a home.
As part of your pre-approval, the lender may ask for supporting paperwork, including:
Bank statements
W-2 statements
Pay stubs and proof of deposits
Federal tax returns
Student loan statements
You don’t need them downloaded or on your hard drive in advance. Just know where to find these documents when you get asked.
Mortgage pre-approvals get processed online or in person. The simplest pre-approvals are self-service.
Home buyers can get a free mortgage pre-approval from any mortgage lender or do a self-service pre-approval in under three minutes.
In this market, timing is critical. When you find the home you want, you may need to make an offer right away, otherwise someone else may get your home!
Being pre-approved enables you to move quickly and get that offer in!
Don’t Miss Out... Get Pre-Approved...
I can’t tell you how many times I’ve seen a client fall in love with a house, but end up losing the home because they weren’t pre-approved. Getting pre-approved solves this problem, as it enables you to move quickly on an offer. You wouldn’t want to miss out on your dream home!
Communities
Past Clients
Steve and Penny Hurd
Negotiated $30K off asking price!
Kurt & Melinda Scorza
Moved from California to Texas
Tim & Lorie Ruth
Coordinated a home sale and a purchase
Craig and Debbie McGregor
Newly weds enjoying their first home!
Dan and Stacey Anderson
Excited first time home buyers!
The Edwards
Sold in 3 days for $20K above asking!
John and Lorie Martin
Hosted open house and got 6 offers!
Kyle Drake
Recommended to us by a friend
Hershel Walker
Bought and sold a home with us
Randy Couture
Negotiated against 4 other buyers & won!
Ken Kiehlbauch
$10K above asking price!
Cornelius Bennett
Sold for full price!
Reviews
I had the privilege of working with Rob Bruce on my first home purchase. Rob is incredibly professional and approachable, thorough and timely, as well as patient and understanding. I entered the home hunt overwhelmed and he genuinely helped me enjoy the journey! I have already recommended him to others and will continue to do so. I really cannot say enough positive about Rob! Thank you again!
Michael Irvin
Rob is an incredibly talented professional in the business who goes above and beyond for his clients. Not only does he have a masterful knowledge of the market, he added a personal touch by assisting with my move and got the house ready by proxy after I had been activated on military orders. Go with Rob. You won't regret it.
Barry Sanders
Robert was more than helpful in finding me a condo in Dallas. He was extremely honest, upfront, and was able to find me a great place that fit my price range in an excellent area! He was extremely communicative and easy to reach to answer any of my questions at all times. Just days before closing I found myself in a medical emergency. We weighed out options and still moved it forward per my request. I found more than a trusting Realtor. I found a friend…
Mirjam Lawrence
I had the privilege of working with Rob Bruce on my first home purchase. Rob is incredibly professional and approachable, thorough and timely, as well as patient and understanding. I entered the home hunt overwhelmed and he genuinely helped me enjoy the journey! I have already recommended him to others and will continue to do so. I really cannot say enough positive about Rob! Thank you again!
Angela Williams
Robert Bruce is one of the best realtors in the business. His honest and caring approach with his clients helps them feel at ease throughout the purchase or sale of their home. He is extremely knowledgeable and understands the local market which enables him to find the perfect match for each client that aligns with their goals.
Tim Thurmond
Rob is an incredibly talented professional in the business who goes above and beyond for his clients. Not only does he have a masterful knowledge of the market, he added a personal touch by assisting with my move and got the house ready by proxy after I had been activated on military orders. Go with Rob. You won't regret it.
George St Pierre
Rob was great to work with, a true professional, excellent communicator and a team player. I hope our real estate paths cross again!!
Michelle Dickey
Rob Bruce, is a great agent to work with who promptly answers calls and questions. Our first deal together was smooth and quick! Thanks Rob!
Dietlinda Fabian
Rob Bruce is super knowledgeable of the industry and all of the Dallas neighborhoods. He's patient, kind, and always on time/quick to respond. He kept me updated on everything that was happening with my home sale before I ever had to ask. He asked me what I was comfortable with in terms of pricing/concessions and gave expert advice on what to expect from negotiations, which he absolutely nailed. If you're looking for a realtor, Rob's your guy. :-)
Nalani Maalo
Rob was the best! We had to look for a house from half way across the country in a super hot market and with a time constraint and Rob was able to really understand our needs and continuously update his search methods based on what we wanted. We were definitely not the easiest in terms to changing preferences and not being familiar with the area, but Rob's expertise really helped us find a place we love. Not only did he help us find a great place with all our needs, he went above and beyond even after we had an offer accepted. I will definitely be recommending Rob to any family and friends that need a realtor in the area!
Joe Erum
Rob made my home buying experience stress free. I'm new to Texas I was relying on his expertise to guide me. Rob was a good listener and after 2 outings he knew what was important. Rob answered my questions and returned my calls right away. He made me feel as if I was his only client. He earned my trust. Absolutely recommend him and in a few years when I sell Rob will be the one I call.
David Kunart
Rob went above and beyond as our real estate agent! The experience of finding and buying a home was pleasant and thoroughly enjoyable because of working with Rob! Highly recommended!
Kurt Scorza
Rob is an incredibly talented professional in the business who goes above and beyond for his clients. Not only does he have a masterful knowledge of the market, he added a personal touch by assisting with my move and got the house ready by proxy after I had been activated on military orders. Go with Rob. You won't regret it.
Tina Cuentas
I could not say thank you enough to Rob. He comes with a double thumbs up from me. Not only did he understand my needs, he guided me to the perfect house, I'm calling home today. He is a wealth of knowledge, an advocate, very pro active and a great communicator. Everything you need when making such a big decision. Thanks again, I appreciate you much!!!
Heather Bartels
Rob has every aspect that defines a great realtor. He's great at negotiating, knows the local real estate market very well, and really cares about his clients. As a lender I work with a lot of real estate agents and Rob definitely ranks in the top. I highly recommend Rob and his team!
Tammie Holmes
Rob stuck with us for over a year during our home search journey. He is committed, thoughtful, honest, and super fast. Accurate and professional. We just closed on our dream home and it is all thanks to Rob! Highly recommend his services!!!