The Importance of Pre-Qualifying

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Even if you've not narrowed down houses to view yet, it's important to see your mortgage pro early. What for? What can we do for you before you have negotiated a price, and don't know yet how much you want to borrow?

We Will Help You Pre-Qualify

When we pre-qualify you, we help you decide the amount in mortgage payments you can fit in your budget, and the loan amount you can qualify for. We accomplish this by analyzing your debts and income, your work and housing circumstances, the funds available for a down payment, required reserves, and other considerations. We will require a minimum amount of paperwork, with a short,basic process.

We will give you a Pre-Qualification Letter after you qualify, which states that we are confident you can qualify for up to a predetermined amount of mortgage dollars.

Pre-Qualification Power

With your pre-qualification letter, some advantages fall at your feet at the point you locate the house you want to make an offer on. First of all, you have some concrete numbers in mind, as the amount you will qualify for on your mortgage. Being pre-qualified will also make your offer look even better to the home seller, like you were bringing them a big box of cash! They won't have to worry that they are wasting their time if you don't have the ability to qualify for a big enough mortgage. The seller won't wonder if he can count on you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed mortgage loan amount will not cause them concern. You'll have the influence of a buyer ready to make the purchase on the spot!

We can help you pre-qualify

When we pre-qualify you, we help you find out the amount you can afford in monthly mortgage payments you can afford, and how much we of a loan you will qualify for. The process walks you through your finances - your debt, income, job, cash available for down payment, among other things. It's quick and to the point; and we take pride in keeping the paperwork to a minimum.

Face to Face

While you can try our tools to calculate mortgage variables on this website, it's a good idea to sit down and talk with us. For one thing, you'll need a Pre-Qualification Letter! Next, we can consider your mortgage program options and make sure you are in the right one. Contact us at 3032282254 to get started.

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