Landhawk Realty - Mississippi
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  • Land
    • Lafayette County Land >
      • 32 AC - Lafayette Co.
      • 5.8 AC - Lafayette County
    • Panola County Land >
      • 825 AC East of Como - Panola Co.
      • 378 AC - Panola Co.
      • 180 AC East of Como - Panola Co.
      • 176 AC. - Courtland - Panola Co.
      • 159 AC - Curtis Rd - Panola Co.
      • 63 AC - Batesville - Panola Co
      • 48 Commercial AC - Panola Co.
      • 35 AC - Ferrell Rd - Batesville - Panola Co.
      • 34 AC - Hwy 35 S - Batesville - Panola Co.
      • 20 AC - Keating Rd. - Batesville - Panola Co.
      • 11 AC - 75 Morrow Rd. Courtland - Panola Co.
      • 10 AC - Near Sardis Lake - Batesville - Panola Co
      • 9 ACRES - Near Sardis Lake - Batesville - Panola Co
    • Tallahatchie County Land >
      • 126 AC - Tallahatchie Co.
      • 67 AC - Tallahatchie Co.
    • Quitman County Land >
      • 92 AC - Quitman County
    • Yalobusha County Land >
      • 48 AC - Yalobusha Co.
    • Subdivision Lots >
      • House Lots Near Sardis Lake
      • Hunters Trace Subdivision - Batesville
      • Cedar Creek - Batesville
      • Mossy Oak Cv Subdivision - Courtland
      • 4.3 AC on Lakewood Dr. - Batesville
      • 517 Woodland - Golf Course Lot
      • Hwy 35 South - One-Acre Lot
    • SOLD ACREAGE >
      • 50 AC - East of Batesville - Panola Co.
      • 64 AC - Hwy 35 S - Batesville - Panola Co.
      • 47 AC - Tallahatchie Co.
      • 63 AC - Sykes Road - Tillatoba - Tallahatchie Co.
      • 41 AC West of Batesville - Panola Co.
      • 30 AC - Batesville - Panola Co.
      • 25 AC - Cline Rd. Sardis - Panola Co.
      • 20 ACRES - Sardis - Panola Co.
      • 23 AC - Sardis - Panola Co.
  • Residential
    • Lake Homes >
      • 580 Kimes Cove - Sardis
      • 77 Eagles Nest Cove - Pope
      • 339 Cedar Heights - Pope
      • Riverfront Cabin - Quitman County
      • 2150 CR 35 Oakland - Enid Lake Cabin
      • Waterfront Home- 52 Lakeview Cv - Sardis
      • 200 CR 160 - Cabin Drive - Oakland
      • Waterfront Cabin - 106 Murphy Rd.
      • 92 Eagle's Nest Cv - Pope
    • Panola County Homes >
      • Batesville Homes >
        • 257 John Branch Rd. - Batesville
        • 291 Hickory Hill - Batesville
        • 351 Woodland - Batesville
        • 204 Brinkley Lane - Batesville
        • 212 Court Street - Batesville
        • 209 Jones St. - Batesville
        • 215 Kornegay Rd. - Batesville
        • 2 Edgarwood Rd. - Batesville
        • 1077 Hwy 6 W - Batesville
        • 706 Woodruff Rd - Batesville
        • 115 Lomax - Batesville
        • 3271 Terza - Batesville
        • 2918 Mt. Olivet Rd. - Batesville
        • 99 Sherwood Cv. - Batesville
        • 116 Hemlock - Batesville
        • 129 Faith Dr. - Batesville
        • 318 Westmoreland Circle - Batesville
        • 307 Hickory Ln - Batesville
        • 6645 Hwy 35 S. - Batesville
        • 215 Vick Street - Batesville
        • 244 Country Club Rd. - Batesville
        • 1504 Tony Keating Rd - Batesville
        • 210 Gay Street - Batesville
      • Pope-Courtland Homes >
        • 14 Farrish Gravel Rd - Courtland
        • 77 Eagles Nest Cove
        • 339 Cedar Heights - Pope
        • 12874 Eureka Rd. - Courtland
        • 198 Fox Run Dr. - Courtland
        • 2186 Pope-Water Valley Rd. - Pope
        • 6836 Hwy 51 - Pope
        • 454 East Railroad - Courtland
        • 2242 Vassar Rd - Pope
      • Sardis-Como Homes >
        • 412 Hightower - Sardis
        • 580 Kimes Cove - Sardis
        • 978 Walnut Rd. - Sardis
        • 3089 Davis Chapel Rd. - Sardis
        • 550 E Carlee - Sardis
        • 501 Railroad - Como
        • 52 Lakeview Cv - Sardis
        • 1907 McKinney Rd - West of Sardis
        • 604 Cline Rd. - Sardis
        • 411 Railroad - Como
    • Lafayette County Homes >
      • 3 CR 1057 - Oxford
      • 18 CR 3029 - Oxford >
        • 18 CR 3029 - Oxford
      • 114 Vail Drive - Oxford - Townhouse
    • Quitman County Homes >
      • 1348 Island Lake Rd - Lambert
      • 390 Third St. - Crowder
      • 1485 Whiting Road - Marks
    • Tate County >
      • Senatobia Homes >
        • 4246 Thyatira Tyro Rd - Senatobia
    • Tallahatchie County Homes >
      • Tutwiler Duck Camp
      • 1021 Oakland-Enid Rd. - Enid
  • Commercial
    • Uptown Storage Facility
    • Commercial Land - 48 AC - Batesville
    • Commercial Lot - 143 Hwy. 51 N - Batesville
    • Commercial Bldg - 121 Public Sq. - Batesville
    • Commercial Bldg - 115 A Public Sq. - Batesville
    • Commercial Bldg - 115B Public Sq. - Batesville
    • Commercial Bldg - 450 Hwy 51 S - Batesville
    • Commercial Bldg - 480 Hwy 51 S - Batesville
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    • Before You Shop
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​Before You Shop - ​Pre-Approval

​Why Should You Get Pre-Approved for a Loan?

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​Getting pre-approved for a loan is a crucial first step when shopping for a home. To begin with, it will give you an idea of what home pricing and payment plan you can afford. This helps you search for homes that are truly in your price range. A pre-approval letter also shows real estate agents and sellers that you’re a credible buyer and are ready to act fast. Many sellers require buyers to submit a pre-approval letter before allowing home showings, and most realtors only work with pre-qualified buyers. To put in an offer on a home, it's always best to have the pre-approval letter to accompany it. Also, if you make an offer on a house without a pre-approval letter, your offer may not be taken as seriously as an offer from someone who's already pre-approved.

What's Required in the Pre-Approval Process?
A lender will ask for some basic information about you and your financial history. If you've got another person on the loan (co-borrower), the lender will need the same information about them, too. Most lenders request social security numbers and permission to pull your required credit report. If your credit report satisfies their guidelines, they'll make a preliminary determination in writing stating that you would qualify for a particular loan. (Of course, each lender has its own standards and processes for determining whether to grant a pre-approval letter.)

What If You Can’t Get Pre-Approved?
If you're not able to get pre-approved for a mortgage, there are a few things you can do to work on this.
  • Improve your credit score. Your credit score is impacted by payment history, outstanding debt, the length of your credit history, recent new credit inquiries, types of credit used, and more. Generally a score of 720 and higher will get you the most favorable mortgage rates.
  • Correct any errors on your credit report, which could raise your credit score. The lender will analyze your credit report for any red flags, such as late or missed payments or charged-off debt. Even if you have "bad credit", there are ways to still get pre-approved for a mortgage.
  • Decrease your overall debt and improve your debt-to-income ratio. In general, a debt-to-income ratio of 36 percent or less is preferable; 43 percent is the maximum ratio allowed. The following link has a debt-to-income calculator to figure your debt-to-income ratio:  www.mortgagecalculator.org/calcs/debt-ratio.php
  • Increase your down payment amount in order to qualify for a larger loan. 
Talk with your own lender for more tips to improve your chances of qualifying for a loan.
​

Source:  www.zillow.com/mortgage-learning/pre-approval/
Search an address, property
features, or key words below.
Molly Hawkins, Realtor®/Broker/Owner
email: molly@landhawk.net 
Call or Text: 662.609.8455
Fax: 1-769-241-0085  
License #22895
​Brokerage Corporate License: #
22901
​​Batesville, MS

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Calvin Hawkins, REALTOR ®
Licensed FFA Drone Pilot
email: calvinhawkins6@gmail.com
662.609.9710
License #S53469


​
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Previous listings can also be found on this site: www.mollyhawkins.net/
  • Home
  • About
  • Land
    • Lafayette County Land >
      • 32 AC - Lafayette Co.
      • 5.8 AC - Lafayette County
    • Panola County Land >
      • 825 AC East of Como - Panola Co.
      • 378 AC - Panola Co.
      • 180 AC East of Como - Panola Co.
      • 176 AC. - Courtland - Panola Co.
      • 159 AC - Curtis Rd - Panola Co.
      • 63 AC - Batesville - Panola Co
      • 48 Commercial AC - Panola Co.
      • 35 AC - Ferrell Rd - Batesville - Panola Co.
      • 34 AC - Hwy 35 S - Batesville - Panola Co.
      • 20 AC - Keating Rd. - Batesville - Panola Co.
      • 11 AC - 75 Morrow Rd. Courtland - Panola Co.
      • 10 AC - Near Sardis Lake - Batesville - Panola Co
      • 9 ACRES - Near Sardis Lake - Batesville - Panola Co
    • Tallahatchie County Land >
      • 126 AC - Tallahatchie Co.
      • 67 AC - Tallahatchie Co.
    • Quitman County Land >
      • 92 AC - Quitman County
    • Yalobusha County Land >
      • 48 AC - Yalobusha Co.
    • Subdivision Lots >
      • House Lots Near Sardis Lake
      • Hunters Trace Subdivision - Batesville
      • Cedar Creek - Batesville
      • Mossy Oak Cv Subdivision - Courtland
      • 4.3 AC on Lakewood Dr. - Batesville
      • 517 Woodland - Golf Course Lot
      • Hwy 35 South - One-Acre Lot
    • SOLD ACREAGE >
      • 50 AC - East of Batesville - Panola Co.
      • 64 AC - Hwy 35 S - Batesville - Panola Co.
      • 47 AC - Tallahatchie Co.
      • 63 AC - Sykes Road - Tillatoba - Tallahatchie Co.
      • 41 AC West of Batesville - Panola Co.
      • 30 AC - Batesville - Panola Co.
      • 25 AC - Cline Rd. Sardis - Panola Co.
      • 20 ACRES - Sardis - Panola Co.
      • 23 AC - Sardis - Panola Co.
  • Residential
    • Lake Homes >
      • 580 Kimes Cove - Sardis
      • 77 Eagles Nest Cove - Pope
      • 339 Cedar Heights - Pope
      • Riverfront Cabin - Quitman County
      • 2150 CR 35 Oakland - Enid Lake Cabin
      • Waterfront Home- 52 Lakeview Cv - Sardis
      • 200 CR 160 - Cabin Drive - Oakland
      • Waterfront Cabin - 106 Murphy Rd.
      • 92 Eagle's Nest Cv - Pope
    • Panola County Homes >
      • Batesville Homes >
        • 257 John Branch Rd. - Batesville
        • 291 Hickory Hill - Batesville
        • 351 Woodland - Batesville
        • 204 Brinkley Lane - Batesville
        • 212 Court Street - Batesville
        • 209 Jones St. - Batesville
        • 215 Kornegay Rd. - Batesville
        • 2 Edgarwood Rd. - Batesville
        • 1077 Hwy 6 W - Batesville
        • 706 Woodruff Rd - Batesville
        • 115 Lomax - Batesville
        • 3271 Terza - Batesville
        • 2918 Mt. Olivet Rd. - Batesville
        • 99 Sherwood Cv. - Batesville
        • 116 Hemlock - Batesville
        • 129 Faith Dr. - Batesville
        • 318 Westmoreland Circle - Batesville
        • 307 Hickory Ln - Batesville
        • 6645 Hwy 35 S. - Batesville
        • 215 Vick Street - Batesville
        • 244 Country Club Rd. - Batesville
        • 1504 Tony Keating Rd - Batesville
        • 210 Gay Street - Batesville
      • Pope-Courtland Homes >
        • 14 Farrish Gravel Rd - Courtland
        • 77 Eagles Nest Cove
        • 339 Cedar Heights - Pope
        • 12874 Eureka Rd. - Courtland
        • 198 Fox Run Dr. - Courtland
        • 2186 Pope-Water Valley Rd. - Pope
        • 6836 Hwy 51 - Pope
        • 454 East Railroad - Courtland
        • 2242 Vassar Rd - Pope
      • Sardis-Como Homes >
        • 412 Hightower - Sardis
        • 580 Kimes Cove - Sardis
        • 978 Walnut Rd. - Sardis
        • 3089 Davis Chapel Rd. - Sardis
        • 550 E Carlee - Sardis
        • 501 Railroad - Como
        • 52 Lakeview Cv - Sardis
        • 1907 McKinney Rd - West of Sardis
        • 604 Cline Rd. - Sardis
        • 411 Railroad - Como
    • Lafayette County Homes >
      • 3 CR 1057 - Oxford
      • 18 CR 3029 - Oxford >
        • 18 CR 3029 - Oxford
      • 114 Vail Drive - Oxford - Townhouse
    • Quitman County Homes >
      • 1348 Island Lake Rd - Lambert
      • 390 Third St. - Crowder
      • 1485 Whiting Road - Marks
    • Tate County >
      • Senatobia Homes >
        • 4246 Thyatira Tyro Rd - Senatobia
    • Tallahatchie County Homes >
      • Tutwiler Duck Camp
      • 1021 Oakland-Enid Rd. - Enid
  • Commercial
    • Uptown Storage Facility
    • Commercial Land - 48 AC - Batesville
    • Commercial Lot - 143 Hwy. 51 N - Batesville
    • Commercial Bldg - 121 Public Sq. - Batesville
    • Commercial Bldg - 115 A Public Sq. - Batesville
    • Commercial Bldg - 115B Public Sq. - Batesville
    • Commercial Bldg - 450 Hwy 51 S - Batesville
    • Commercial Bldg - 480 Hwy 51 S - Batesville
  • Contact
  • Reviews
  • Search
  • Sold
  • More
    • Before You Shop
    • Helpful Links
    • Mortgage Calculator