When to Talk to a Mortgage Professional About Pre-Qualification

Are you looking for a new mortgage? We'd be thrilled to answer your questions about our many mortgage solutions! Give us a call today at 6507631924. Want to get started? Apply Here.

It's helpful to consult with your mortgage professional early — even before you have started narrowing down neighborhoods. What for? When you do not yet know how much home you want to qualify for, what could we help you with?


When we pre-qualify you, we help you find out how much of a monthly mortgage payment you can fit in your budget, and the loan amount you will qualify for. During the process, we calculate your borrowing capacity - reviewing your earning status, money available for down payment, existing debt, income, and other circumstances. It's a short, thorough process with minimal risks for papercuts.

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

Power in the Pre-Qual

Some advantages open to you after you find your new house, and have achieved pre-qualification. First, it lets you know how much you're able to offer. Being pre-qualified can also make your offer more attractive to the seller, like you were bringing them a bag full of cash! They need not worry that that they have been wasting their time if you can't be able to qualify for a high enough mortgage. The seller of the home won't wonder if he can count on you to qualify for your loan.Your qualifying for the necessary loan amount will not cause them concern. They have a virtual guarantee to trust your ability to back up your offer.

We will help you with your pre-qualification

We can help you find out how much of a loan you can qualify for and the mortgage payment amount you can afford by helping you pre-qualify. We can accomplish this by reviewing your income and debts, your work and residence situations, the funds available for down payment, required reserves, and other financial considerations. We require a minimum amount of paperwork, and avoid a lengthy process.

One on one

It is important to sit down and talk with us, even though you are free to also try the helpful mortgage loan calculator tools on this site. That way, we'll help you get your pre-qualification letter. For another thing, we might find a different mortgage program that is a better fit for you. Let us get you started: Contact us at 6507631924.

Have questions about pre-qualifying? Call us at 6507631924. We answer pre-qualification questions every day.

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Norcal Capital Group, Inc

1369 El Camino Real
Millbrae, CA 94030