• Skip to main content
  • Skip to secondary menu
  • Skip to primary sidebar
  • Skip to footer
  • Home
  • About
  • Subscribe
  • β˜• Support
  • βœ‰ Contact
    • Contact Me
    • Request Product Review
    • Work With Me
  • Blog Archives
Nutty Hiker Adventures

Nutty Hiker Adventures

Hike Every Hike Like It Is Your Last

  • πŸ₯Ύ Hiking >>
    • Hiking Articles
    • Hiking 101 >
      • 10 Essentials of Hiking
      • Types of Hikes
      • Trail Etiquette
      • Hiking Terms & Jargon
      • Hiking First Aid Kit
      • What to Bring On Every Hike
      • Pre Thru-Hike Checklist
      • Hacks to Lighten Your Backpack Weight
      • How to Avoid Norovirus While Backpacking
      • Choosing a Sleeping Bag Liner
      • How to Poop in the Woods
      • Gift Guide for Hikers
      • Books for Hikers & Backpackers
      • Movies About Hiking
      • Subscription Boxes for Hikers
      • Thru-Hiking Trails Bucket List – USA Edition
      • Your Hiking Questions Answered
    • Long Trails >
      • Appalachian Trail
      • Lone Star Hiking Trail
    • Gear Reviews
    • Ask Nutty Hiker
  • πŸ• Camping + RVing >>
    • Camping Articles
    • RVing Articles
    • Camping & RV Gear Reviews
  • πŸ”¦ Survival >>
    • Survival Articles
    • Survival / Prepping Gear Reviews
  • πŸͺ΄ Homesteading
  • πŸ—Ί Destinations >>
    • Road-Trip Checklist
    • State Highpoints
    • National Parks & Forests >
      • Black Hills National Forest
      • Guadalupe Mountains National Park
    • Arizona
    • Arkansas
    • Colorado
    • Idaho
    • Kansas
    • Kentucky
    • Maryland
    • Nevada
    • New Mexico
    • North Dakota
    • Pennsylvania
    • South Dakota
      • Black Hills National Forest
    • Tennessee
    • Texas
      • North Texas
      • Central Texas
        • San Antonio
      • East Texas
      • South Texas
      • West Texas
      • Texas State Parks
      • Guadalupe Mountains National Park
    • Utah
    • Washington
    • West Virginia
  • 🚘 Road Trips >>
    • Road-Trip Checklist
    • Road Trip Ideas
  • πŸ—žοΈ News >>
    • Outdoor News
    • Interviews
  • πŸŽ₯ Video’s
  • πŸ“· Photography >>
    • Latest Work
    • Photography Gear Reviews
    • Portrait Portfolio
  • ✎ Logbook >>
    • My Daily Antics
    • Ask Nutty Hiker
  • πŸ†“ Resources >>
    • Recommendations
    • Road-Trip Checklist
    • Hiking Essentials Checklist
    • Budget Worksheet
    • Morse Code Converter
    • Military Time Converter
    • Message Encryption & Decryption
    • Message Transformer
  • πŸ›’ Shop
You are here: Home / The Logbook / PCS Blog: Step 1 in finding a house…complete

PCS Blog: Step 1 in finding a house…complete

Posted January 29, 2013 / Last Updated March 2, 2022

Step 1 in finding a house, get pre-approved!

So we are roughly 5-6 months away from our final PCS. I had planned on waiting another 2 months (when I had time to pay down a debt) before trying to get us pre-approved for a home loan. But the stress of not knowing what our ultimate budget for a house was making me literally sick (stress). I decided I couldn’t take it now more and used Lending Tree to find us the perfect loan. Needless to say the moment I submitted the form, the phone started ringing off the hook. I knew we have great credit (after all I have worked VERY hard the last 3 years to make sure when we got to this day there would be no snags and we would get the best possible rate).

We ultimately went with the 2nd lender that we spoke to. The first guy never sent over the “proposed”  breakdown of the loan. Another guy was way to pushy (he called twice within 20 minutes while we were on the phone with the 2nd one). As we were on the phone with the 2nd lender, I had that feeling of “this is the guy I want to work with”. I tend to go with my gut a lot and have realized it’s usually 99% correct. He was extremely helpful and answered all of my questions, and when he told me that the proposal would be emailed to be within 20 minutes, he wasn’t lying and I had not 1 but 2 different scenarios to choose from (depending on if we wanted absolutely no out-of-pocket expenses such as closing costs or if we wanted a better rate while paying very minimal out-of-pocket costs). He also attached in that email a pre-approval letter.

Now you may be asking why (other than the obvious of finding out how much we can spend on a house) would you want to get pre-approved. The reason is simple. If you place an offer on a house, and someone else wants that same house and places an offer, usually the seller will go with the offer who has a pre-approved loan because they now that a bank has already said they will indeed loan them that money. If they go with the non pre-approved offer, the bank may not finance that person which means that they will have lost out on the chance to sell their house at that moment.

So needless to say I am super excited to continue on, knowing that I do not have to worry about the money aspect of things. I know what our budget is, and I also know that I don’t have to stress about paying down a debt. We are pre-approved on what our credit looks like right now. For any of you that may be getting ready to retire or even just buy a home, I suggest using Lending Tree. They do allow you to get offers for using your VA Loan as well, so you don’t have to use a traditional mortgage.

Cairn Banner

Reader Interactions

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Primary Sidebar

LATEST ADVENTURE

West Virginia Destinations

Riding the Cass Scenic Railroad

May 19, 2022 0

Recent Posts

  • How to Keep Your Electronics Charged on the Trail
  • How to Easily Build a Chicken Run
  • How to Make Oat Milk
  • SHREDLY Adventure Clothing Review & Giveaway
  • 2022 Father’s Day Gift Guide for the Outdoor Dad
  • The Difference Between Wheat Berries
  • BAIST Skin Liners 2.0 / Glove Liner Review
  • Riding the Cass Scenic Railroad
  • Darn Tough Socks; Are They Worth It?
  • State High Points Visited
Mountain Steals Banner
Think Outside Subscription
Battlebox

Footer

FOLLOW

  • Facebook
  • Instagram
  • YouTube
  • RSS Feed
  • Amazon

SUPPORT =)

This blog is my full-time job. I rely heavily on support from my readers. If you would like to help offset the cost of running this blog and my nutty adventures so I can continue to bring you travel & outdoor adventures, please feel free to donate =)Donate to Nutty Hiker

DISCLOSURE

Per the FTC, This website contains affiliate links, advertisements, and sponsored posts. For reviews, I was provided with a complimentary copy of the item unless otherwise stated. As an Amazon Associate, I earn from qualifying purchases using the amazon links located on my website. Read my full policy here.

AWARDS

Best Outdoor Blogs

Copyright © 2022 β€” Nutty Hiker Advenures | Bridget Carlson β€’ All rights reserved.
The links on this website are solely for the convenience of our visitors. Nutty Hiker does not endorse, operate, or control external websites.
Terms of Use β€’ Privacy Policyβ€’ Disclosureβ€’ Contest Rules