Why it's Important to Pre-Qualify

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It's helpful to see a mortgage loan pro early, even if you haven't decided what type of house to look for. Why? What can we do for you if you have not made an offer, and don't yet know the amount you want to borrow?

Pre-Qualify

We can help you see how much of a mortgage you can afford, and how much money you may be able to borrow, by walking you through pre-qualifying. In this process, we determine your borrowing potential - looking at your earning status, available money for down payment, debts, income, and other areas. We require a minimum amount of paperwork, with a short,basic process.

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

Power in the Pre-Qual

Once you find a house that is ideal for you, and you decide to make an offer, being pre-qualified for a mortgage loan will do a couple of things. First, it lets you know how much you are able to offer. Even more important to the current owner, your pre-qualification status gives them confidence - as if you'd entered their house with a suitcase of cash to back up the offer! They need not be concerned that they're 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 won't be able to trust you to qualify for your loan.Your qualifying for your needed mortgage loan amount will not be something for them to worry about. You have the sway of a buyer ready to make the deal on the spot!

We will help you pre-qualify

Our mortgage professionals can help you find out the loan amount you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. In the process, we look at your borrowing capacity - analyzing your earning status, available money for down payment, existing debt, income, and other circumstances. It's quick and basic; and we take pride in keeping the paperwork light.

Face to Face

It's important to sit down and talk with us, even though you are free to also utilize the helpful mortgage calculators on our website. That way, we'll be able to help you get your pre-qualification letter. Next, we can review your loan choices and make sure you have found the right one. We are waiting to meet with you: contact us at 8165258000.

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