Financing
Pre-approval first. Tours second. Always.
Selling Dallas homes in 14 days or less, with a marketing plan you see before you sign.
In a market where well-priced Dallas and Collin County homes draw multiple offers in the first week, pre-approval is not a formality, it is your entry ticket. Garland connects you with lenders on his vetted bench for home loans, and walks with you from the application to the letter, so your offers arrive ready to win.
Why it matters in DFW right now
The median Dallas home runs $425K to $500K, and the good ones move within days. When two offers land at the same price, the buyer who came pre-approved wins. When a just-listed home hits on a Thursday, the pre-approved buyer tours Friday and offers Saturday. Everyone else watches it go under contract.
- Sellers and their agents filter for pre-approved buyers first.
- You know your real budget before you tour, so no heartbreak at the offer table.
- You can move the day a just-listed or just-reduced home appears.
- An offer with a pre-approval letter attached wins over the same offer without one.
The path to the letter
01
Pick your lender
Garland introduces you to lenders on his vetted bench, proven in DFW deals, and he is clear about who fits your profile.
02
Gather the documents
Two years of tax returns, recent pay stubs, bank statements, and a credit pull. His lender walks you through exactly what is needed.
03
Get the letter
A pre-approval letter states the amount you qualify for, so sellers take your offer seriously from the first line.
04
Keep it current
Do not change jobs, finance a car, or rack up new debt before closing. Garland reminds you of every landmine on the way.
Pre-approval versus pre-qualification
Pre-qualification is a quick estimate based on what you tell someone. Pre-approval is a lender pulling your credit, reviewing your documents, and writing a letter for a specific amount. In DFW's competitive window, only the second one moves the needle. If a lender tries to hand you a pre-qual and call it done, ask for the real letter.
Crunch the numbers first.
Use the mortgage calculator for a ballpark, then let a vetted lender put real numbers on your situation. The estimate is a compass, the pre-approval is the map.
Meet a vetted lender.
Garland's vendor bench includes lenders he trusts with his own clients. He will match you with the right one on a free call, and you keep total control of who you borrow from.
Always go with the Best!
Buying starts with a plan, not a portal.
Book a free 30-minute call and Garland will walk through your budget, the areas you are considering, and the current market data, then put together a written search brief. If a target does not make sense for your numbers, he tells you that straight.