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Pre-qualification is a preliminary estimate of how much you can afford to pay for a home, based on a basic credit check and financial/employment information provided by you. Because financial & employment information isn’t verified for prequalification, it can only be considered a rough idea of your maximum monthly mortgage payment & loan size. Prequalification can be a useful guide as you begin the home buying process.

Pre-approval is a written commitment from a lender to finance your home purchase up to a set amount. This indicates that the lender has taken a close look into your financial history and has agreed to lend you a specific amount of money, conditioned upon items such as finalized sales contract and appraisal. Pre-approval indicates to sellers that you are a serious buyer. 


Gateway Financial Group



Jason M. Tiburzi– Mortgage Consultant NMLS# 153667

Conventional, FHA, VA, USDA, NC Housing Finance Agency Programs, Investors up to 10 Mortgages–
FHA down to 580 Middle Credit Score & USDA to 620

8604 Cliff Cameron Drive #140, Charlotte, NC 28269
Office: 704-409-7998 Mobile: 818-456-2699 jason@gateway4loans.com






When comparing or considering mortgage lenders make sure to request a Cost Estimate Worksheet, which will disclose detailed loan information, projected closing costs and the estimated total cash you will need to close.

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* Real Estate agents receive no compensation regarding these services, as prohibited by law.  This list of mortgage lenders is provided for informational purposes only and in no way limits your right to use any mortgage lender of your choice.  Information is deemed reliable, but not guaranteed and is subject to change without notice.


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Cheryl is the most amazing agent to work with! Since I have worked with her I have recommended her every single time a friend of mine mentioned plans to buy a house. Cheryl is kind and understands her customers needs. Not many agents care about the purchaser actually being happy and Cheryl makes sure her clients are! She went above and beyond for me so that I could move into my house on the day planned, traveling more in one day than anyone could expect from her- just to get my paperwork filed. She was always patient and honest when she felt a house didn't fit my lifestyle and I truly love the decision I have made. Cheryl is more than an agent, she is the person you can trust trhoughout the process - a true partner. I would recommend her any day! Kirsten Hobley
We actually starting looking for realtors starting in 2010 and through it all we found the best in realty. Cheryl Powell answered all of our questions even though we were just looking at that time. In 2012, we contacted Cheryl for her assistance in purchasing a home. We needed someone who knew about the programs out there to assist us here in North Carolina. Cheryl provided us service from beginning to the time of closing. After closing we still like to stay in contact to let her know we are thinking of her. When anyone states they are in the process or need information about purchasing, I refer Cheryl Powell. K. McGriff
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