● We do a complete credit check on you, so you can have peace of mind that you’re able to buy within your desired bracket.

● We support your finance by sourcing financial options on your behalf by looking across the board.

● We will submit your application to all the banks, compare the rates, and match the rates to what you can afford.

● Because Ooba has been in the industry for so long, they understand the banks’ criteria. So, their prequalifying criteria is always in line with what the banks are looking for.

● We work as a guide to what you can afford and in turn, ZA Prop agents are able to show you the best property options.

Once you have been prequalified, the process of applying for a home loan is instantly sped up because most of the work is already completed. Once we get an official offer from you, your application will be submitted to the banks, accompanied by your signed offer to purchase. The bank will run the application through their system to do a scoring, and then push out the scoring. This process may take as long as a day if all documents are submitted to us on time. However, even though we may get a response quickly, there’s still a possibility that it might not be the answer we’re looking for. Remember, prequalifying for a home loan does not guarantee the actual approval of a home loan, but history has shown that over 80% of prequalified applications are successful.

A. Complete a 5-page application form.

B. We’ll submit your application to all the banks.

C. We’ll negotiate with the banks and get back to you with the best financing option.