Why Pre-Qualification is Important

Shopping for a mortgage loan? We'd be thrilled to discuss our mortgage offerings! Give us a call today at 6507631924. Ready to get started? Apply Here.

Even if you haven't so much as picked out houses to visit yet, it can be advantageous to visit with your mortgage loan professional first. What for? What can we do for you if you haven't made your offer, and do not know yet the amount you need to borrow?


When we pre-qualify you, we help you decide how much of a monthly mortgage payment you can afford, and the loan amount you will qualify for. We can achieve this by considering your income and debts, your employment and housing circumstances, your funds available for down payment, required reserves, and other considerations. It is a short, thorough process with minimal risks for papercuts.

When you are determined to be eligible, we prove our confidence in your ability to qualify for a mortgage by presenting you with a Pre-Qualification Letter (also called a "pre-qual").

Power in the Pre-Qual

Several beneifits open to you once you find your dream house, and have achieved pre-qualification power. The first is that you will know what you can afford when determining the offer. More important to the existing home owner, your being pre-qualified is like your having walked into their house with a bag full of cash to make the deal! They will not need to be concerned they're wasting their time if you will not be able to qualify for a high enough mortgage loan. The seller of the home won't be concerned that he can't count on you to qualify for your mortgage in the amount you will need.Your qualifying for your needed mortgage loan amount will not be something for them to worry about. You 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 figure out the amount you can afford in monthly mortgage payments you can fit in your budget, and the loan amount you can qualify for. During the process, we determine your borrowing potential - looking at your employment, money available for down payment, debt, income, and other areas. It's quick and basic; and we take pride in keeping the paperwork light.

One on one

While you are encouraged to benefit from our mortgage calculators on this site, it's a good idea to meet with one of our mortgage professional team members. That way, we'll help you get your pre-qualification letter. Then, we will make sure we have the right mortgage program for your situation. Let us get you started: Contact us at 6507631924.

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

Got a Question?

Do you have a question? We can help. Simply fill out the form below and we'll contact you with the answer, with no obligation to you. We guarantee your privacy.

Your Information
Your Question
By checking the box, you agree that Norcal Capital Group, Inc may call/text you about your inquiry, which may involve use of automated means and prerecorded/artificial voices.. Message/data rates may apply.

Norcal Capital Group, Inc

1369 El Camino Real
Millbrae, CA 94030