The Importance of Pre-Qualifying

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It is helpful to visit with a mortgage loan pro early, even if you haven't settled on what type of home to search for. Why? If you do not know yet how much house you want to qualify for, what can we do for you?

We Can Help You Pre-Qualify

We can help you calculate how much of a mortgage loan you can afford, and how much money you can borrow, by walking you through pre-qualifying. We can achieve this by analyzing your debts and income, your work and residence situations, your available funds for a down payment, required reserves, and other considerations. It's a quick, thorough process with minimal risks for papercuts.

When 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

Several advantages open to you after you find your new house, and have achieved pre-qualification power. First, it lets you know the amount that you are able to offer. More important to the current home owner, your being pre-qualified is like your having entered their front door with a suitcase full of money to purchase their home! They will not have to wonder if that they are wasting their time if you can't be able to qualify for a high enough mortgage. The seller won't worry if he can trust you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary loan amount will not cause them concern. They have a virtual guarantee to trust your buying power.

We can help you pre-qualify

Our mortgage professionals will help you find out the loan amount you can qualify for and the monthly payment amount you can afford by getting you pre-qualified. We do this by considering your debts and income, your employment and residence situations, your available funds for a down payment, required reserves, and some other things. It's a short, thorough process with minimal risks for papercuts.

One on one

It is important to sit down and meet with us, even though you are welcome to also utilize the helpful mortgage loan calculator tools on our site. For one thing, you'll need a Pre-Qualification Letter! Then, we will make sure we have selected the right mortgage program for you. Contact us at (650) 689-5684 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at (650) 689-5684. It's our job to answer pre-qualification questions, so we're happy to help!

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