The Importance of Pre-Qualifying

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It's valuable to consult with your mortgage loan professional early — even before you have started to consider neighborhoods. What for? What can we do for you if you have not made your offer, and do not know yet how much you need to borrow?

Pre-Qualify

We can help you calculate how much of a mortgage you can afford, and the amount of money you can borrow, by walking you through the pre-qualification process. In the process, we calculate your ability to borrow - analyzing your job, money available for down payment, existing debt, income, and other circumstances. We require a minimum amount of paperwork, and avoid a lengthy process.

Once you qualify, we give you what's called a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), that documents the fact that we are partnering with you to find the best mortgage loan program to meet your needs and that we are confident you will qualify for a mortgage for a specific amount.

Pre-Qual Power

After you find a house that is right for you, and you decide to make an offer, being pre-qualified for a mortgage loan will do a couple of things. First, it helps you know how much you're able to offer. More important to the existing home owner, your being pre-qualified is like your having entered their front door with a suitcase full of cash ready to purchase the house! They will not have to worry that they have been wasting their time if you don't have the ability to qualify for a big enough mortgage. The seller won't be concerned that he can't trust you to qualify for your loan.Your qualifying for the necessary mortgage loan amount won't be something for them to lose sleep over. You have the capability to back up your offer.

We help with your pre-qualification

Our mortgage professionals will help you find out the loan amount you can qualify for and the monthly payment amount you are able to afford by helping you pre-qualify. In the process, we determine your borrowing power - analyzing your employment, money available for down payment, existing debt, income, and other areas. It's quick and to the point; and we take pride in keeping the paperwork light.

One-on-One

It is vital to sit down and meet with us, even though you are welcome to also use the helpful mortgage loan calculators on our website. That way, we'll help you get your pre-qualification letter. Then, we can make sure we have the ideal mortgage loan program for your situation. We are waiting to meet with you: contact us at 7209331025.

Have questions about pre-qualifying? Call us at 7209331025. It's our job to answer pre-qualification questions, so we're happy to help!