In today’s market houses are selling very quickly! Most sellers are requiring either a Pre-Approval letter from a bank or mortgage company if you are getting a loan or a Proof of Funds letter from your banker if you are paying with cash. These need to be turned in when you submit a contract (offer) on a house. It only takes a few minutes to be pre-approved so call your mortgage company or bank when you START looking that way you are ready to go when you find that PERFECT HOUSE!