"The Standard of Excellence" Serving Tampa Bay, Pinellas, Hillsborough, Pasco, & Hernando
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Contact Information 727-242-2215 or 813-787-6243  
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Get Pre-Approved before You Start Searching for Homes


Residential, Hard Money and Commercial Mortage Services

The very first step to buying a home is to

Get Pre-Approved!

Call FRANK COTO and he's team today at LINCOLN LENDING GROUP.  They can often get you pre-approved within an hour or less.  There are loan programs available for all types of credit.  If you end up not qualifying for any reason FRANK and his team will be able to show you how to clean up your credit so you will qualify.

LINCOLN LENDING GROUP can help if you are buying anywhere in Florida.  They can be reached at:


BUSINESS: 813-319-5364


Mortgages anywhere in the State of Florida

(Mention Charles Rutenberg Realty when speaking to FRANK or his team for discounts on your loan!)

There are several reasons why you want to get a pre-approval before you start searching for your dream home:

1.  So you know how much you qualify for.  Nothing is more heart breaking than to view a home, want to buy it, then find out you may not qualify for the amount you anticipated.  Loan guidelines have changed alot over the past couple years.  It's best to consult a mortgage professional so you know your options.

2.  Most contracts submitted today are required to have a loan pre-approval letter submitted with the offer.  This let's the owner know that you are serious.  This is a key element in negotiating a price.  If an owner knows you are approved they are more likely to take your offer seriously.

3.  Have you ever called realtor upon realtor without getting a call back? Realtors today are asked everyday to show homes.  They often find themselves showing people homes who did not qualify for a loan to begin with.  As you can imagine this can be very dissapointing to a Realtor who has worked hard to find a client that perfect home.  Therefore most Realtors in todays market love to hear "I have a pre-approval letter".  This grabs their attention immediately and you more likely to receive great customer service if a Realtor knows you have taken the time to get pre-approved before shopping for a home.

Ask Frank Coto about the 100% USDA Loan.  Yes, that's right, there is a loan program out there that requires NO Money Down!!!


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