Why it's Important to Pre-Qualify

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It's helpful to consult with your mortgage loan professional as soon as possible — even before you've started to consider neighborhoods. What for? What can we do for you before you have negotiated an amount, and do not yet know how much you need to borrow?

We Can Help You Pre-Qualify

When we pre-qualify you, we help you decide the amount in mortgage payments you can afford, and the loan amount you can qualify for. We achieve this by considering your income and debts, your employment and housing circumstances, your available funds for down payment, required reserves, and other considerations. We ask for a minimum amount of paperwork, and avoid a lengthy process.

Once you are considered eligible, we will prove our confidence in your capacity to qualify for a mortgage by presenting you with a Pre-Qualification Letter (also known as a "pre-qual").

Power in the Pre-Qual

Some advantages open to you after you find your dream house, and have pre-qualification power. First, it helps you know how much you're able to offer. Even more important to the seller, your pre-qualification letter gives them confidence - as if you had arrived at their house with a bag of cash to make the offer! They will not need to worry that they're wasting their time if you can't have the ability to qualify for a big enough mortgage loan. The seller of the home won't be concerned that he can't trust you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary loan amount will not be something for them to fret over. You'll have the influence of a buyer ready to make the deal right now!

We can help you pre-qualify

When we pre-qualify you, we help you decide the amount you can afford in monthly payments you can fit in your budget, and how much we of a loan you will qualify for. In the process, we look at your borrowing potential - analyzing your earning status, money available for down payment, debt, income, and other circumstances. It's a quick, thorough process with minimal risks for papercuts.

Face to Face

You can always use the mortgage calculators here on this website to get an idea of how much mortgage you can afford - but it's also important to meet with us. We can walk you through your pre-qualification letter. Then, we'll make sure we have the best mortgage loan program for you. Contact us at 8165258000 to get started.

Have questions about pre-qualifying? Call us at 8165258000. We answer pre-qualification questions every day.