Matthew Becker

Blog by Matthew Becker

The Difference Between Pre-Qualification and Pre-Approval: What Every Homebuyer Should Know

When you’re ready to buy a home, one of the first steps is determining how much you can afford—and how much a lender is willing to lend you. That’s where pre-qualification and pre-approval come into play. While these two terms are often used interchangeably, they’re actually quite different. Underst...

06.15.25 12:08 PM - Comment(s)

The Mortgage Application Timeline: What to Expect Week by Week

By Matthew Becker

Applying for a mortgage can feel like stepping into a world filled with jargon, paperwork, and uncertainty. But when you break it down week by week, the process becomes much more manageable—and far less intimidating. Whether you're a first-time homebuyer or a seasoned investor, understanding the typ...

06.14.25 12:02 PM - Comment(s)

Title: What Is a Mortgage Underwriter—and Why Do They Matter So Much?

By Matthew Becker

When you apply for a mortgage, your loan application doesn’t go straight from your hands to the bank vault. Instead, it passes through a critical checkpoint: the mortgage underwriter.

But who is this mysterious underwriter? What do they do? And why does their decision carry so much weight?

Understan...

06.13.25 03:00 PM - Comment(s)

Understanding Loan-to-Value Ratio (LTV): What It Means and Why It Matters

By Matthew Becker

When you're applying for a mortgage, one of the most important metrics lenders will consider is your Loan-to-Value Ratio, commonly known as LTV. Simply put, the LTV compares the loan amount to the appraised value of the property. It’s a core factor that determines your eligibility, your interest ra...

06.03.25 08:24 AM - Comment(s)