Tracy Gillen, Mortgage Loan Originator NMLS 1854259

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Tracy Gillen, Mortgage Loan Originator NMLS 1854259 Let me help you find the loan program that’s right for you! Conventional, FHA, VA and USDA loans available.

10/23/2026
10/07/2026

Penny Miller with Remax Advantage South and I sat down and talked about some buzz words in the real estate and strategies for navigating this crazy market.

09/11/2026

Today, we remember the lives lost on September 11, 2001, and honor the heroes who answered the call.

We remember the courage, the sacrifice, and the way Americans came together in the days that followed.

May we never forget.

There's a difference between pre-qualified and pre-approved, it can be the difference between getting the house and watc...
06/26/2026

There's a difference between pre-qualified and pre-approved, it can be the difference between getting the house and watching someone else get it.

Pre-qualified means a lender looked at what you told them — your income, your best guess at your debt — and handed you a ballpark. No documents. No verification. It's a polite estimate.

Pre-approved means they actually pulled your credit, read your pay stubs or tax returns, and put a real number behind you. When a seller or their agent sees a pre-approval letter, they see someone who can close. When they see a pre-qual, they see a maybe.

Here's the part that is confusing, a lot of people think getting pre-approved is the scary, invasive step. It's usually the opposite. It's the step that tells you exactly what you can spend and helps you set a realistic budget before you even start looking at homes — and it costs you nothing.

If you're even thinking about buying in the next six months, let’s have a conversation to see where you are and answer the questions that you have.

What's been holding you back from getting pre-approved? Tell me below — I read every comment.

Address

100 Concourse Pkwy, Ste 130
Hoover, AL
35244

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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