Thinking about getting a national bank approval to mortgage your new home? A loan officer at the State Bank of Lincoln says you should check with your local bank first.

State Bank of Lincoln loan officer John Baldwin says that a national bank preapproval can add unnecessary stress to the homebuying process. 

Baldwin indicates it is better to get a prequalification from a local bank rather than getting a preapproval.

Baldwin says that while many mortgages companies will charge application and appraisal fees, the State Bank of Lincoln charges no upfront fees.

For more information contact John Baldwin at 935-3144.