Why Pre-Qualify?

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It can be important to visit with a mortgage professional first, even if you haven't decided what type of house to search for. Why? How can we help you before you have made your offer, and do not know yet how much you need to borrow?

We Will Help You Pre-Qualify

Our mortgage professionals will help you find out the loan amount you can qualify for and the monthly payment amount you can afford by helping you pre-qualify. We will achieve this by considering your income and debts, your work and housing circumstances, your available funds for a down payment, required reserves, and other considerations. We require a minimum amount of paperwork, and avoid a lengthy process.

After you qualify, we give you what's called a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), that documents the fact that we are helping you to find the right loan program to fit your needs and that we are confident you'll qualify for a mortgage for up to a specific amount.

Buying Power

Several beneifits open to you after you have found your new house, and have achieved pre-qualification. First, you have some concrete numbers in mind, as the total you will qualify for on your mortgage loan. More important to the current home owner, your being pre-qualified is like your having walked into their house with a bag full of money to purchase the home! They need not be concerned that they're wasting their time if you don't be able to qualify for a big enough mortgage. The seller of the home won't be concerned that he can't count on you to qualify for your loan.Your qualifying for the necessary mortgage loan amount will not cause them concern. You will have the influence of a buyer ready to make the purchase right now!

We can help you pre-qualify

Our mortgage professionals will help you find out how much of a loan you can qualify for and the monthly payment amount you can afford by helping you pre-qualify. We will do this by reviewing your debts and income, your work and residence situations, your available funds for down payment, required reserves, and other considerations. We as for a minimum amount of paperwork, with a short, basic process.

One on one

You can certainly use the mortgage calculators on our site to get an idea of how much mortgage you can afford - but it's also essential to talk with us. We can walk you through your pre-qualification letter. Then, we will make sure we have found the best mortgage loan program for you. Contact us at (816) 525-8000 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at (816) 525-8000. We answer pre-qualification questions every day.