"Success in RE comes down to two factors: taking risks and taking action!"
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Get Pre-Approved
Getting pre-approved for a mortgage is one of the most important thing you can do when you're planning to buy a home.
Mortgage pre-approvals are documents that verify you can get approved for a mortgage loan. Pre-approvals are not an official loan approval - they are the green light to shop around and find the perfect home. You can't make an offer without a pre-approval.
The most crucial part of buying a home is being sure you can afford its payment. So, before you get pre-approved, decide how much you feel comfortable spending each month and write that number down.
A mortgage lender may pre-approve you for a larger monthly payment. We recommend you stay within your budget.
Mortgage pre-approvals are available for free through most mortgage websites with no obligation to proceed. Many home buyers get their mortgage from a different mortgage company that pre-approved them. So, don’t overthink this step.
The critical part of getting your pre-approval is that you get it. Without a pre-approval, you cannot buy a home.
As part of your pre-approval, the lender may ask for supporting paperwork, including:
Bank statements
W-2 statements
Pay stubs and proof of deposits
Federal tax returns
Student loan statements
You don’t need them downloaded or on your hard drive in advance. Just know where to find these documents when you get asked.
Mortgage pre-approvals get processed online or in person. The simplest pre-approvals are self-service.
Home buyers can get a free mortgage pre-approval from any mortgage lender or do a self-service pre-approval in under three minutes.
In this market, timing is critical. When you find the home you want, you may need to make an offer right away, otherwise someone else may get your home!
Being pre-approved enables you to move quickly and get that offer in!
Secure Your Profits... When You Buy...
My goal is to help you secure the financing that makes your dream property a reality! Finding the right financial solution is just as important as finding the right home. Negotiating with a homeowner who has an emotional connection to their property can be tricky, but with an experienced third-party advocate by your side, you’ll have the support needed to navigate the process and secure the best deal.
Communities
Past Clients
The Williams Family
Bought a perfect 2950 sqft Fixer-Upper!
Reviews
Shelley Latham is a great Realtor and friend. She makes herself available to every client and is such a hardworking and caring person. You can’t go wrong choosing her as your realtor.
Clint Pannell
I can’t say enough good things about Shelley Latham. She will go the extra mile for every one of her clients. She is a joy to work with as your realtor and will not let you down!
Kayla Pannell
I’ve known Shelley for many years and I was so excited to hear she is a realtor. There is no one I would trust more when selling or buying a home! She’s responsible, thoughtful, caring and will take great care of all of her clients. It’s a win-win!
Cliff Powers
I had the pleasure of working with Shelley Latham recently as I chose her as my Real Estate agent. It was great working with her. She is thorough, responsive and very helpful. I could not have had a better experience. She is highly recommended.
Anthony Fulks
Honest, hardworking, all around great person to work with!
Landon Mcelyea
Ms Latham was truly a gem to work with. She is responsive and punctual. If we ever need anything else she will be our go to.
Lisa Melton
Shelley did a great job helping us with all of our real estate questions and guided us through the entire process. She is very knowledgeable about real estate rules and was able to get us the property we always wanted.
Austin Standley
Shelley is one of the most kind and caring people you will ever meet. She treats you like family and makes sure that you are taken care of from beginning to end. I highly recommend you use her if you are in the market to sell or buy.
Courtney Loper
I'm extremely pleased with the service my husband and I received from Shelley. She went above and beyond for us.Her communication was absolutely great, not only with us but with the other parties as well. We were blessed to have came across her and will definitely use her in the future. She is the best realtor around. Thank you Shelley for everything.
Tonais Freeney
Years of experience, hospitable and fun to work with. Highly recommended!
Robert Bullard
Wonderful to work with, listened to my desires and every expectation I had in a home and made it happen!!!!
Brittany Cutler
Shelley is amazing Realtor! She is a get things done kind of person. Her passion for helping her customers is top notch. She will handle all the details and keep you informed along the way. She is quick to respond to emails and texts. She is very professional and when she tells you she is going to do something she follows through with her promise. We were referred to her through a realtor from Louisiana, because we needed a Texas realtor for our purchase. We put our faith and trust in her and she didn’t disappoint us. We would definitely use her again and refer her to others.
