The Importance of Pre-Qualifying

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It's helpful to consult with your mortgage professional early — even before you've started to consider neighborhoods. Why? When you don't yet know how much home you want to qualify for, how can we help?

Pre-Qualify

We will help determine how much of a mortgage loan you can afford, and how much money you will be able to borrow, by walking you through the pre-qualification process. This process outlines your current financial situation - your debts, income, career, and down payment money, among other things. We will ask for a minimum amount of paperwork, and avoid a lengthy process.

Once you qualify, will present to you a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), which states that we are partnering with you to find the best mortgage to fit your situation and that we're confident you'll qualify for a mortgage up to a specific amount.

Buying Power

Holding your pre-qualification letter, some advantages fall at your feet once you find the house you want to put together an offer on. First of all, you have some concrete numbers in mind, as the total you will qualify for with your mortgage. Even more important to the seller of the home, 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 they're wasting their time if you do not be able to qualify for a high enough mortgage. The seller of the home won't be concerned that he won't be able to trust you to qualify for your loan.Your qualifying for your needed mortgage loan amount will not be something for them to be concerned about. You can have the clout of a buyer ready to make the purchase on the spot!

We help with your pre-qualification

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. We achieve this by reviewing your debts and income, your work and housing circumstances, your funds available for a down payment, required reserves, and some other things. We will require a minimum amount of paperwork, with a quick process.

Face to Face

While you can use our tools to calculate mortgage variables on this website, it is essential to sit down and talk with one of our mortgage professional team members. We can walk you through your pre-qualification letter. Next, we can consider your loan options to make sure you are in the right one. We are eager to meet with you: call us at 7209331025.

Have questions about pre-qualifying? Call us at 7209331025. We answer pre-qualification questions every day.