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.


Chris Viktor Csontos
Branch Manager
NMLS ID#: 137168
Phone: 443-451-3420
Cell/Other: 443-928-6505
Fax: 443-451-9420

1201 Eastern Boulevard
Baltimore MD 21221

About Me

With 13 Years in the industry, Chris has been through the changes in the market conditions, and has the experience to guide clients through all situations. He has worked in his current position with NFM for nine years.

Throughout the years Chris has taken an inspired approach to mortgage lending. Chris thrives on helping people with challenges that otherwise would be overlooked by less qualified loan originators. Chris has a Bachelors degree in Business Administration with a concentration in finance. In his spare time Chris likes to do home improvements, spending time with his family and playing with his children.


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