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.


Howie Coleman
NMLS 215892
Office: 513-965-0018 x 104
Mobile: 513.673-4222
Fax: 740-322-5955

Meet Howie!

With over 25 years of experience in the mortgage industry, I have specialized in government loans including special training for FHA, VA and USDA as well as all conventional loans.

​My goal is to have a personal relationship with every borrower that extends beyond the closing. It is helping everyone achieve their goal of successful home ownership now and in the future, and in doing so, to make each customer a customer for life. I want to make the home buying experience fun. I am dedicated to going the extra mile to get loans done that other banks cannot do.

I am a lifelong resident of Blanchester, Ohio along with my wife Amy. My hobbies include sports, playing guitar, camping and kayaking.


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