Why Pre-Qualification is Important

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It is valuable to visit with a mortgage loan pro early, even before you have decided what sort of home to look for. What for? What can we do for you before you have negotiated a price, and do not yet know how much you need to borrow?

Pre-Qualify

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. During this process, we look at your borrowing power - reviewing your job, money available for down payment, existing debt, income, and other areas. It's short and basic; We keep the paperwork light.

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

Power in the Pre-Qual

Holding your pre-qualification letter, a number of advantages fall at your feet once you find the house you want to make an offer for. First, it helps you know the amount that you're able to offer. Of greater importance to the seller, your being pre-qualified is like your having walked into their house with a suitcase full of money to purchase their home! They will not have to worry that they are wasting their time if you won't be able to be able to qualify for a big enough mortgage. The seller won't worry if he can count on you to qualify for your loan.Your qualifying for your needed mortgage loan amount will not cause them concern. You have the capability to back up your offer.

We help with your pre-qualification

We will help determine how much of a mortgage loan you can afford, and the amount of money you may be able to borrow, by walking you through pre-qualifying. The process takes you through your finances - your debt, income, employment, cash available for down payment, among other things. It's a short, thorough process with minimal risks for papercuts.

One on one

It is important to sit down and talk with us, even though you are welcome to also utilize the helpful mortgage loan calculators on this website. That way, we'll be able to help you get your pre-qualification letter. Then, we'll make sure we have the right mortgage program for your situation. Contact us at 6507631924 to get started.

Have questions about pre-qualifying? Call us at 6507631924. It's our job to answer pre-qualification questions, so we're happy to help!