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char1ie_brown_74 | Is it acceptable to view a property, put in an offer even though I dont have a mortgage in place? |
We are first time buyers, was going to wait untill the new year to put wheels in motion regards the mortgage but we have seen a very nice house. Obviously it depends on the other other offers the vendor gets but whats the consenus. Would we be taken seriously? |
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Weimaraner Mom
 |
You can and many do, just put a contingency in the offer stating that the purchase of the house is contingent on you getting approved for financing. Depending on how many offers they get they might not choose your bid if they have a bidder that already has his financing approved. It's riskier to go with someone who may or may not get approved for a mortgage and then if they don't you have to start all over again with listing the house. It happened to me, the next time I made sure I picked an offer where the buyers already had already been preapproved.
Make a call to a mortgage company and get pre-approved, then at least you'll know how much house you can afford before you make an offer. |
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baby_face_paris
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Why would you want to do that? It tkes minutes to have a mortgage accepted in principle. Do this first so that you know you will have the funds in place when the time comes. |
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acermill
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You can certainly view the property and tender an offer to purchase, subject to your ability to obtain financing at specific terms and interest rates. However, a seller won't take you seriously unless you have, at the very least, provided a pre-approval letter from a qualified mortgage broker/firm.
Pre-approvals are available in very short order, and at no cost to you. You are not required to use the lender which provided you the pre-approval letter. |
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grodno
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There's no reason why you can't view the house, the vendor doesn't have to be told your financial position, you may not like the house once you have viewed the interior, so no harm in looking.If you wish to proceed you can organise a mortgage and put in an offer, it is a buyers market nowadays only some vendors haven't realised that yet and are still asking unrealistic prices. |
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L1LVN
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It's easy to get your mortgage offer sorted. The sellers would take your offer more seriously and also you are in a strong position to negotiate. I've done it many times and got silly offers accepted because the sellers were desperate to sell and I've got mortgage offers in place! |
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KathyS
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Most buyers want pre-approved buyers. Get approved before looking for a house. |
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Duirmuid
 |
No I would not take your offer seriously until you had sorted out a mortgage.
However, I would let u view the property. |
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godged
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So, if you view the house, put in an offer, it gets accepted and you cannot get a mortgage, then what? You are going to lose your deposit. You could be sued for specific performance, and you would lose.
I'd suggest you get pre-approved for a mortgage. It is a painless process with a good lender. There are a ton of FTHB programs available, local lenders will know great programs you can qualify for.
If you insist on putting in an offer without a pre-approval, make your offer contingent upon obtaining financing at a reasonable (you have to put a number here) interest rate. |
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Robin
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What you are doing is like going in to Tescos, filling your trolley with a couple of hundred quids worth of groceries and going to the checkout saying I will pay for these next week.
If your mortgage lender then declines to advance you the money, what would Tescos do, if they had let you go home with the goods.
No mortgage certificate, no house buying. End Of. |
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Butternut27
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yes you can...the market is slow right now...there are few buyers so you can do this if you want to its your choice...Good luck |
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Terry S
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Possible but not very smart.
How do you know if you qualify for this home.
What if you dont?
Then you would have gotten yourself all worked up for nothing. |
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Chucksey
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You can legally put in an offer but you need to make the vendors aware that you haven't got your mortgage in place yet (as a common courtesy). However, the mortgage process can be fairly quick and first time buyers are a preference to vendors as there is no chain to break down. |
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WG
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Yes, You can make an offer to purchase and make the purchase subject to Financing. Your chances of your offer being accepted, however, are much better if you are "pre-approved" for financing |
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