Why Pre-Qualification is Important

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It's valuable to consult your mortgage loan professional as soon as possible — even before you've started researching neighborhoods. What for? What can we do for you if you haven't negotiated a price, and do not yet know the amount you want to borrow?

Pre-Qualify

When we pre-qualify you, we help you determine how much of a monthly payment you can afford, and the size of loan you can qualify for. In this process, we calculate your borrowing capacity - analyzing your earning status, available money for down payment, debts, income, and other circumstances. We require a minimum amount of paperwork, and avoid a lengthy process.

We will give you a Pre-Qualification Letter after you qualify, that documents that we're confident you can qualify for a specific amount of mortgage loan dollars.

Pre-Qual Power

With your pre-qualification letter, a number of advantages are yours once you locate the house you want to make an offer for. The first is that you will be sure the amount you can afford when calculating the offer. Your pre-qualification also will make your offer more attractive to the seller, like you were bringing them a suitcase full of cash! They will not have to wonder if they're wasting their time if you do not be able to qualify for a big enough mortgage loan. The seller of the home won't worry if he can count on you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary loan amount will not be something for them to fret over. You have the ability to back up your offer.

We help with your pre-qualification

Our mortgage professionals can help you find out how much of a loan you can qualify for and the monthly mortgage payment amount you are able to afford by getting you pre-qualified. We accomplish this by analyzing your debts and income, your work and residence circumstances, the funds available for a down payment, required reserves, and some other things. It's short and to the point; and we keep the paperwork light.

One-on-One

It's important for you to sit down and meet with us, even though you are free to also utilize the helpful mortgage calculators on this website. We can begin getting your pre-qualification letter. For another thing, we may be able to find a different mortgage choice that fits your needs better. Contact us at 8165258000 to get started.

Have questions about pre-qualifying? Call us at 8165258000. It's our job to answer pre-qualification questions, so we're happy to help!