Why Get Pre-Qualified?

1. Pre-qualification acts as a dry run of the loan application process. The mortgage lender will use details you provide about your credit, income, assets and debts to arrive at an estimate of how much mortgage you can afford. The whole process may take only minutes or a few hours at most, and is free.

2. While a "pre-qual" is non-binding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general creditworthiness.

3. These days most sellers will NOT accept an offer without at least a pre-approval letter, so if you are serious about buying this is the first step towards getting you in your new home.

Citizens Bank
1555 Zion Road, Northfield, NJ  08225


Jim GarrityNMLS# 610200
Senior Loan Officer
Home Lending Solutions - Mortgage


I strive to always exceed customer expectations, do the right thing, think long-term and work together to insure an easy and painless experience in the home buying process!

We are citizens helping citizens bank better!!

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