JAMES R. CLOYES CPA
  • About
    • Client Testimonials
  • Services
    • Amended + Multi-State Taxation
    • Bookkeeping
    • Corporate Tax Prep
    • Estate Tax Planning
    • Individual Tax Prep
    • IRS Audit & Appeals Representation
    • Un-filed Taxes
  • Resources
    • Tax Prep Checklist
    • Valuation Guide for Donations
    • Valuation Guide for Donations - PRINTABLE
    • Tax Glossary
    • Taxpayer Rights
    • IRS Forms
    • IRS Publications
    • Tax & Financial Calculators
    • Records Retention Guidelines
    • Where's My Refund?
  • New Clients

Tax Rates


Pre-approval is one step beyond pre-qualifying for a loan. Pre-qualification only states that a lender might give you a loan up to a certain amount. When you're ready to get a loan, you'll still need to get approved.

On the other hand, pre-approval from your lender states that they will give you the loan up to a specified amount based on a detailed investigation of your personal finances. By doing it before you search for homes, you'll save yourself the time needed for approval and you'll know exactly how much house you can afford to buy. Additionally, buyers who submit their offers with pre-approval letters look just like cash offers. In essence, the money is already there. Offers without pre-approval suggest to your seller that they should enter into contract based ONLY on your word. In a Seller's Market, those offers are likely to be turned down. Don't lose out on the home of your dreams --- get your ducks in a row ahead of time.

Contact Us

James R. Cloyes CPA
​4308 E. Main Street
Whitehall, OH 43213

Phone: 614-236-1628
​and 614-947-1700
​Fax: 614-947-1776
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© JAMES R CLOYES CPA. COPYRIGHT 2017-2021. ALL RIGHTS RESERVED.
  • About
    • Client Testimonials
  • Services
    • Amended + Multi-State Taxation
    • Bookkeeping
    • Corporate Tax Prep
    • Estate Tax Planning
    • Individual Tax Prep
    • IRS Audit & Appeals Representation
    • Un-filed Taxes
  • Resources
    • Tax Prep Checklist
    • Valuation Guide for Donations
    • Valuation Guide for Donations - PRINTABLE
    • Tax Glossary
    • Taxpayer Rights
    • IRS Forms
    • IRS Publications
    • Tax & Financial Calculators
    • Records Retention Guidelines
    • Where's My Refund?
  • New Clients