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Thank you for visiting today. If this is your first visit, take your time and look around. We have plenty of information and resources available to you. If you are a return visitor, thank you. We would love to hear from you and tell you how we can serve all your real estate needs. Call Concept Real Estate today at
(618) 281-7100

If you need direct contact for any of our agents here is their contact info.

Deb Campbell
(314) 956-0080
dcampbell@conceptrealtors.com

Angie Causey
(618) 781-9092
angie@conceptrealtors.com

Gregg Crawford
(618) 977-5318
gcrawford@conceptrealtors.com 

Jane Crawford
(618) 977-7065
jcrawford@conceptrealtors.com

Rob Davis
(618) 558-5710
rdavis@conceptrealtors.com

Nick Gibson
(314) 666-4318
ngibson@conceptrealtors.com

Tari Jacobs
(618) 974-8899
tjacobs@conceptrealtors.com

Kelly Rompel
(618) 334-1214
krompel@conceptrealtors.com

Stephen Rothermich
(636) 734-3774
srothermich@conceptrealtors.com

Kathy Sainz
(314) 605-0755
ksainz@conceptrealtors.com

Blake Salger
(618) 791-0210
bsalger@conceptrealtors.com

Katie Stumpf
(618) 504-0788
kstumpf@conceptrealtors.com

Inger Varel
(618) 920-7799
ivarel@conceptrealtors.com

Jim VonDerHaar
(314) 494-8874 
jimv@conceptrealtors.com

You can always call our office and we will get a message to any of our agents (618) 281-7100.

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Getting a Legitimate Lender and Getting Pre-Approved

It used to be that buyers could go house shopping and when they have found their dream home, then they go to get pre-approved. However, in today’s market, that has proven to be one of the least effective methods in landing the dream home.

Most lenders can pre-qualify you for a mortgage over the phone. Based on general questions about your income, debt, assets, and credit history, lenders can estimate how much mortgage you qualify for. However, being pre-qualified and pre-approved are different things. Pre-approval means that you have applied for a mortgage; you have filled out the mortgage application, received your credit report, and verified your employment, assets, etc. When you are pre-approved, you know exactly what the maximum loan amount will be.

A pre-qualified letter is not verified and in essence, does not count for much if you are competing with other buyers who are pre-approved. When you are pre-approved, you and the seller know exactly how much house you can afford. It gives you credibility as an interested buyer and lets the seller know immediately that you will qualify for a loan to buy their property.

In addition to being pre-approved, it’s important to be pre-approved with a legitimate lender. Legitimate lenders include: banks, mortgage bankers, credit unions, savings and loan associations, mortgage brokers, and online lenders.

Some lenders to avoid: those who lose a form or misplace a file, those who gather information from you in an unorganized manner, those who are not informed about interest rates, points or costs, and those who cannot provide you with the right information.

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agent photo


Jane Crawford, SFR
Managing Broker
111 N. Main St.
Columbia, IL 62236
Phone: 618-281-7100

jcrawford@conceptrealtors.com

Testimonials

Thanks for all your help in making our "dream home" a reality. We really appreciated that you went the extra mile to get us the best price for our home. You are truly a professional. John and Mary Blosum
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ABR - Accredited Buyer RepresentativeCRS - Certified Residential Specialiste-PROEqual Housing OpportunityGRI - Graduate, REALTOR® InstituteMLS membershipREALTOR® certificationNAR Green

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