Why Pre-Qualification is Important

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It's helpful to see a mortgage loan pro early, even before you've decided the kind of home you hope to find. Why? If you don't know yet how much house you want to qualify for, what can we help you with?

Pre-Qualify

Our mortgage professionals can help you find out the loan amount you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. During the process, we explore your borrowing power - reviewing your earning status, money available for down payment, debt, income, and other circumstances. It's a quick, thorough process with minimal risks for papercuts.

After you qualify, will present to you what's called a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), that documents the fact that we are working with you to find the ideal mortgage loan program to meet your situation and that we're confident you will qualify for a mortgage loan for up to a specific amount.

Power in the Pre-Qual

Various advantages open to you when you find your new house, and have pre-qualification power. The first is that you'll be sure the amount you'll be able to afford when calculating your offer. Even more important to the seller, your pre-qualification letter gives them confidence - as if you'd come into their house with a bag of cash to back up the offer! They will not need to be concerned that they have been wasting their time if you don't be able to qualify for a high enough mortgage. The seller won't be concerned that he won't be able to trust you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary mortgage loan amount will not cause them concern. You have the capability to back your offer up.

We will help you with your pre-qualification

We can help you determine the loan amount you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified. This process outlines your financial situation - your debt, income, employment, cash available for down payment, among other things. It's quick and to the point; and we take pride in keeping the paperwork light.

One-on-One

It's important to sit down and talk with us, even though you are free to also utilize the helpful mortgage loan calculator tools on our website. That way, we'll be able to help you get your pre-qualification letter. Then, we'll make sure we have selected the ideal mortgage program for your situation. We are waiting to hear from you: call us at 3032282254.

Have questions about pre-qualifying? Call us at 3032282254. We answer pre-qualification questions every day.