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My loan officer says that I can’t apply for a mortgage loan and receive a Loan Estimate until I can provide a copy of a signed purchase contract, is that correct?

Answer:

You do not need to have a signed purchase contract in order to apply for a mortgage loan and receive a Loan Estimate.

The Loan Estimate is a new form that went into effect on Oct. 3, 2015.

A purchase contract is a written contractual agreement between the buyer and the seller for the purchase of residential real estate. The Loan Estimate is a form showing the terms and costs for a mortgage loan that you would like to consider.

Learn more about what information you need to provide to a lender in order to apply for a loan and get a Loan Estimate.  

See a sample Loan Estimate form with interactive tips and definitions.

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детальная информация по ссылке

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