Haywood Homes Group

06/18/2026

🏡 **What Really Happens During the Mortgage Pre-Approval Process?**

Many buyers think getting pre-approved means filling out a quick application and getting a number.
There's actually a lot more to it.

Here's what lenders typically review:
✅ Credit history and scores
✅ Income and employment
✅ Bank statements and assets
✅ Existing debts and monthly obligations
✅ Debt-to-income ratio (DTI)
✅ Overall mortgage readiness

A pre-approval helps you:
✔ Understand your buying power
✔ Shop with confidence
✔ Strengthen your offer when you find the right home
✔ Avoid surprises later in the process

The best time to get pre-approved is **before** you start looking at homes—not after you've found one you love.

📲
Thinking about buying in the next 6–12 months? Let's discuss your goals and connect you with a trusted lender to determine your next steps.
**Your Home. Our Mission.**



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CALL -or- TEXT TODAY!

THERESA HAYWOOD
Team Lead | Realtor
Haywood Homes Group of Realty ONE Group Excellence
o: 443-233-6156
c: 443-388-3883

06/17/2026

🏡 Your next address is important. 📍
Thinking about relocating? Give me a call and let's create a plan that makes your move as smooth and stress-free as possible.

Whether you're moving across town, across the state, or across the country, I'll help you navigate the process, connect you with trusted professionals, and find the right home and community for your next chapter.

The right community matters even more.
Let's get you moving in the right direction.



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CALL -or- TEXT TODAY!

THERESA HAYWOOD
Team Lead | Realtor
Haywood Homes Group of Realty ONE Group Excellence
o: 443-233-6156
c: 443-388-3883

06/16/2026

Check out the new video for 3240 GREENMOUNT Avenue! Don't hesitate to reach out with any questions here or at (443) 388-3883. Be sure to follow for more BALTIMORE listings!
#21218


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CALL -or- TEXT TODAY!

THERESA HAYWOOD
Team Lead | Realtor
Haywood Homes Group of Realty ONE Group Excellence
o: 443-233-6156
c: 443-388-3883

06/16/2026

📍 New Listing 📍 Take a look at this fantastic new property that just hit the market located at 3240 Greenmount Avenue in Baltimore. Reach out here or at (443) 388-3883 for more information

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CALL -or- TEXT TODAY!

THERESA HAYWOOD
Team Lead | Realtor
Haywood Homes Group of Realty ONE Group Excellence
o: 443-233-6156
c: 443-388-3883

06/16/2026

🏡 **Creditworthy Doesn't Mean Perfect.**
One of the biggest misconceptions about buying a home is that you need an 800 credit score to qualify.

The truth?
✅ Lenders look at more than just your score.
✅ Payment history matters.
✅ Debt-to-income ratio matters.
✅ Stable income matters.
✅ Your overall financial picture matters.

I've helped buyers become homeowners who thought they needed years to qualify when they were actually much closer than they realized.

If you're thinking about buying in the next 6–12 months, now is the time to understand where you stand and what steps can improve your mortgage readiness.

📲 Not sure if you're creditworthy yet? Let's review your credit profile and create a plan.
**Your Home. Our Mission.**



--
CALL -or- TEXT TODAY!

THERESA HAYWOOD
Team Lead | Realtor
Haywood Homes Group of Realty ONE Group Excellence
o: 443-233-6156
c: 443-388-3883

06/13/2026

"Suburban life offers a peaceful sanctuary, where you can enjoy the space to grow, both literally and figuratively." 🏡

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CALL -or- TEXT TODAY!

THERESA HAYWOOD
Team Lead | Realtor
Haywood Homes Group of Realty ONE Group Excellence
o: 443-233-6156
c: 443-388-3883

06/13/2026

Check out the new video for 4003 OAKFORD Avenue! Don't hesitate to reach out with any questions here or at (443) 388-3883. Be sure to follow for more BALTIMORE listings!
#21215


--
CALL -or- TEXT TODAY!

THERESA HAYWOOD
Team Lead | Realtor
Haywood Homes Group of Realty ONE Group Excellence
o: 443-233-6156
c: 443-388-3883

06/13/2026

📍 New Listing 📍 Take a look at this fantastic new property that just hit the market located at 4003 Oakford Avenue in Baltimore. Reach out here or at (443) 388-3883 for more information

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CALL -or- TEXT TODAY!

THERESA HAYWOOD
Team Lead | Realtor
Haywood Homes Group of Realty ONE Group Excellence
o: 443-233-6156
c: 443-388-3883

Beautifully renovated 4-bedroom, 3-bath home offering the space, updates, and flexibility today's buyers are searching for. Featuring an open-concept floor plan, stunning kitchen with oversized quartz island, modern finishes throughout, versatile lower-level flex space, and a large rear parking p...

06/12/2026

Check out the new video for 1014 LYNDHURST Street! Don't hesitate to reach out with any questions here or at (443) 388-3883. Be sure to follow for more BALTIMORE listings!
#21229


--
CALL -or- TEXT TODAY!

THERESA HAYWOOD
Team Lead | Realtor
Haywood Homes Group of Realty ONE Group Excellence
o: 443-233-6156
c: 443-388-3883

06/12/2026

📍 New Listing 📍 Take a look at this fantastic new property that just hit the market located at 1014 Lyndhurst Street in Baltimore. Reach out here or at (443) 388-3883 for more information

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CALL -or- TEXT TODAY!

THERESA HAYWOOD
Team Lead | Realtor
Haywood Homes Group of Realty ONE Group Excellence
o: 443-233-6156
c: 443-388-3883

Move-In Ready & Strategically Priced for Immediate Interest Fully updated brick home featuring hardwood floors, an open-concept layout, and a modern kitchen with granite countertops, stainless steel appliances, and gas cooking. Bright bedrooms and clean, low-maintenance finishes make this a true ...