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.


Ann Zeilingold has been in the mortgage industry for more than 23 years. She has the expertise, experience and knowledge to navigate the intricacies of the mortgage process

A home is one of the largest financial commitments that you’ll make during your life. That’s why finding a mortgage broker you can trust is vital. Ann Zeilingold is vice president of First Meridian Mortgage and has over 23 years specializing in residential mortgages. She is an expert at tailoring the best mortgage program to suit her client’s needs and integrating the mortgage into her client’s long and short-term financial goals.

Her professional designations include: Certified Mortgage Planning Specialist, Certified Mortgage Planner, and she is a member of TEAM “The Equity Alliance Matrix.” She belongs to the Rockland Business Women’s Network, Rockland Business Exchange, Rockland Business Association, and the Women’s Interactive Network.

Ann is dedicated to service and integrity. Her innovative approach and resourcefulness, and true dedication to always guide each client into the best mortgage plan possible set her apart from others in the industry.

Ann believes that the more people are educated and informed, the better financial decisions they will make.  She often provides free seminars and presentations on topics such as: elimination of credit card debt, how to raise your credit score 100 points, and how to manage your home equity.

“Our clients only think about home financing a few times during their lives. We think about it every single day.  Your home and your future is our profession and passion. We are ready to work in your best interest,” says Zeilingold.

Purchasing a home is a major financial commitment, and moving is a major life event. What we desire is that your stress will not be in any way related to your home financing – save it for which new sofa you should choose or what color to paint that hideous bathroom.

We actually want to enjoy your experience with us so that you refer us to others. Our goal is not only to provide you with competitive rates and costs, but to handle your transaction with the personal care and professional treatment you deserve.

While most loan officers spend their time mass marketing and looking for new business from just anywhere, We devote our time and energy to our clients only, educating them, discussing the best loan options for each individual situation, and taking care of details to ensure that the loan process runs as smoothly as possible.


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