Why Get Pre-Qualified?

1. Pre-qualification acts as a dry run of the loan application process. The mortgage lender will use details you provide about your credit, income, assets and debts to arrive at an estimate of how much mortgage you can afford. The whole process may take only minutes or a few hours at most, and is free.

2. While a "pre-qual" is non-binding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general creditworthiness.

3. These days most sellers will NOT accept an offer without at least a pre-approval letter, so if you are serious about buying this is the first step towards getting you in your new home.



















Mortgages Made Easy

Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice. As an experienced loan officer I have the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you’ll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and use our secure online application to get started. After you’ve applied, I’ll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice. I look forward to working with you.
South Carolina License Number: MLO-272734





Hi! I'm Pat O’Leary and I'm a Branch Manager in Hilton Head Island, South Carolina. I'm here to provide expert advice and bring you home faster.

Pat O’Leary
Movement Mortgage -  Branch Manager
direct: 
843-384-5569
Fax: 
843-628-6733
patrick.oleary@movementmortgage.com




Hi! I'm Julie Karpik and I'm a Senior Mortgage Loan Officer in Hilton Head Island, South Carolina. I'm here to provide expert advice and bring you home faster.
NMLS: 449808

direct: (843) 816-0382
fax: (843) 628-6633
julie.karpik@movement.com
4101 Main Street Ste E
Hilton Head Island, South Carolina 29926


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