When to Speak to a Mortgage Pro About Pre-Qualifying

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It is valuable to consult your mortgage professional early — even before you have started to research neighborhoods. What for? When you don't know yet how much home you want to qualify for, what could we help you with?

We Will Help You Pre-Qualify

We will help you see how much of a mortgage loan you can afford, and the amount of money you may be able to borrow, by walking you through the pre-qualification process. The process outlines your financial situation - your debts, income, job, and cash available for down payment, among other things. We will ask for a minimum amount of paperwork, and avoid a lengthy process.

When you are determined to be eligible, we prove our confidence in your capacity to qualify for a mortgage by giving you a Pre-Qualification Letter (also known as a "pre-qual").

Buying Clout

Once you find a house that meets your needs, and you want to put together an offer, being pre-qualified for a loan will do a couple of things. The first is that you'll be sure what you'll be able to afford when calculating your offer. Even more important to the existing owner, your pre-qualification gives them confidence - as if you had come into their house with a suitcase of cash to back up the offer! They won't need to wonder if that they have been wasting their time if you don't be able to qualify for a high enough mortgage. 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 your needed mortgage loan amount won't be something for them to worry about. You have the capability to back your offer up.

We help with your pre-qualification

We will help you calculate how much of a mortgage you can afford, and how much money you will be able to borrow, by walking you through the pre-qualification process. This process walks you through your finances - your debts, income, employment, down payment money, among other things. It's short and basic; and we keep the paperwork to a minimum.

One-on-One

You can certainly use the mortgage calculators on this site to get an idea of how much mortgage you will be able to afford - but it's also important to talk with one of our mortgage professionals. For one thing, you'll want a Pre-Qualification Letter! For another thing, we could find a different mortgage loan option that better fits your needs. 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!