Why it's Important to Pre-Qualify

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It is important to bring in your mortgage professional as soon as possible — even before you have started to research neighborhoods. Why? What can we do for you if you haven't made an offer, and don't yet know how much you need to borrow?

We Can Help You Pre-Qualify

We can help you see how much of a mortgage loan you can afford, and the amount of money you can borrow, by walking you through the pre-qualification process. This process takes you through your finances - your debt, income, job, and cash available for down payment, among other things. It's a quick, thorough process with minimal risks for papercuts.

At the point you are considered eligible, we will prove our confidence in your capacity to qualify for a mortgage by giving you a Pre-Qualification Letter (also known as a "pre-qual").

Buying Clout

Once you find the house that is right for you, and you decide to put together an offer, being pre-qualified for a mortgage loan will do several things. First, you have some concrete numbers in mind, as the amount you will qualify for on your loan. Having pre-qualification also will make your offer more attractive to the home seller, as if you were bringing them a suitcase of cash! They need not be concerned they have been wasting their time if you won't be able to be able to qualify for a high enough mortgage loan. The seller of the home won't be concerned that he can't trust you to qualify for your loan.Your qualifying for your needed loan amount will not be something for them to be concerned about. They have a virtual guarantee to trust your ability to back up your offer.

We can help you pre-qualify

Our mortgage professionals can help you determine the loan amount you can qualify for and the monthly mortgage payment amount you are able to afford by getting you pre-qualified. During the process, we calculate your ability to borrow - analyzing your job, available money for down payment, existing debt, income, and other circumstances. We require a minimum amount of paperwork, and avoid a lengthy process.

One-on-One

You can certainly use the mortgage calculators available on our site to calculate the size mortgage you'll be able to afford - but it's also essential to meet with one of our mortgage professionals. That way, we will help you get your pre-qualification letter. For another thing, we might find a different mortgage program that better fits your needs. We're eager to meet with you: contact us at 3032282254.

Have questions about pre-qualifying? Call us at 3032282254. It's our job to answer pre-qualification questions, so we're happy to help!

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Firelight Mortgage Consultants

Company NMLS#: 381658

7887 East Belleview Ave Ste 1100
Englewood, CO 80111