Why it's Important to Pre-Qualify

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Even if you've not picked out houses to visit yet, it's advantageous to see your mortgage loan professional early. What for? It might be difficult to fathom the ways in which we can help even before you begin to calculate your offer.

We Will Help You Pre-Qualify

We can help you see how much of a mortgage you can afford, and how much money you can borrow, by taking you through the pre-qualification process. We can accomplish this by considering your income and debts, your work and residence situations, your available funds for down payment, required reserves, and other considerations. We will require a minimum amount of paperwork, and avoid a lengthy process.

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

Buying Clout

Some advantages open to you when you have found your new house, and have achieved pre-qualification power. First, you have some concrete numbers in mind, as the total you will qualify for with your loan. Even more important to the current owner, your pre-qualification gives them certainty - as if you'd come to their home with a big box of cash to back up the offer! They will not have to worry that that they have been wasting their time if you will not be able to qualify for a big enough mortgage loan. The seller of the home won't wonder if he can trust you to qualify for your loan.Your qualifying for the necessary loan amount will not cause them concern. You can have the clout of a buyer ready to make the deal on the spot!

We help with your pre-qualification

Our mortgage professionals will help you determine how much of a loan you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. During the process, we look at your borrowing capacity - reviewing your job, money available for down payment, existing debt, income, and other areas. It is a short, thorough process with minimal risks for papercuts.

One on one

It's vital for you to sit down and talk with us, even though you are free to also utilize the helpful mortgage loan calculators on this site. We can walk you through your pre-qualification letter. Then, we can make sure we have the ideal mortgage program for your situation. Let us get you started: Call us at (303) 228-2254.

Have questions about pre-qualifying? Call us at (303) 228-2254. We answer pre-qualification questions every day.

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