Bridget's Blog


Just Calling a Mortgage Loan Officer Is Not Enough When Looking For A Maryland Home

Just Calling a Mortgage Loan Officer Is Not Enough When Looking For A Maryland Home

Margaret Rome had a call from folks (we will call them Mr. and Mrs. X)  who were interested in seeing one of her listings.  After a short conversation, she suggested that they call the Maryland Mortgage Mama (that's me) for a pre-approval.


loan officer in baltimore

Unfortunately these folks were not mortgage ready for a variety of reasons (including credit scores in the LOW 400's), and it would be at least a year and quite a bit of work before they would be ready.  The X's and I had a very involved conversation explaining the things they would need to do before moving forward.  I explained our follow up, including an email documenting our conversation. 

A short time later, I let Margaret know where things stood.   About 10 minutes after Margaret and I talked, the X's called Margaret to schedule the appointment to see the listing.  They told her that they had talked to me.  Margaret asked "And did she tell you that you could get a pre-qualification letter?"   The answer, "No, but we still want to see the house."   NEXT!!

Just calling a mortgage loan officer is not enough when searching for a Maryland home.  Talking with a lender doesn't count!  You need to be sure you have a pre-approval. 

"What documentation do I need to get a pre-approval?" 

Realtors don't want to see you get your hopes get dashed after finding the perfect home and then not qualifying for a loan.  They don't want to waste your time or theirs!

If you are considering purchasing a home in Maryland in 3 days, 3 months or 3 years, call me.  I will help to make sure you are mortgage ready and that you know how much house you can comfortably afford.  Once we have talked, you can call the agent with the confidence that you are READY to VIEW HOMES FOR SALE and MAKE AN OFFER to buy, not just window shop!

Just Calling a Mortgage Loan Officer Is Not Enough When Buying A Maryland Home

Warm Regards,

Bridget McGee  Maryland Mortgage Mama  NMLS# 196068  SWBC Mortgage.   410-960-2061 EHO or


If you are considering purchasing a home in Maryland and want to be sure you are mortgage ready, my brother Tony and I will be happy to help! We help to make the mortgage process a pleasure! 

If you already own your home, we are happy to provide a no-cost mortgage review to help you to determine if refinancing may be in your best interest.  Please contact me at 410-960-2061.

Comment balloon 1 commentBridget "Mortgage Mama" McGee • May 20 2011 09:04AM


When I took my post licensing class at Champion Realty Linda Dougherty made us all stand up and put three fingers in the air and swear "I am not a tour guide", we don't get paid until the deal closes don't waste time with buyers that can't buy.

Posted by June Piper-Brandon, Piecing Dreams One Home at a Time (Houwzer Inc) about 9 years ago