The Importance of Pre-Qualifying

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Even if you haven't so much as picked out homes to visit yet, it can be valuable to see your mortgage professional first. What for? It may be hard to fathom the ways we could help even before you start to talk about prices and negotiations.

Pre-Qualify

Our mortgage professionals will help you determine how much of a loan you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. This process walks you through your finances - your debts, income, job, and down payment money, among other things. It is a short, thorough process with minimal risks for papercuts.

When you are determined to be eligible, we prove our confidence in your potential to qualify for a mortgage by giving you a Pre-Qualification Letter (also called a "pre-qual").

Pre-Qualification Power

After you locate the house that is right for you, and you decide to make an offer, being pre-qualified for a mortgage will do several things. First, it lets you know the amount that you are able to offer. Being pre-qualified will also make your offer look even better to the home seller, as if you were bringing them a bag full of cash! They won't need to wonder if they are wasting their time if you can't have the ability to qualify for a big enough mortgage. The seller won't worry if he can count on you to qualify for your loan.Your qualifying for your needed loan amount will not be something for them to be concerned about. You have the capability to back up your offer.

We can help you pre-qualify

We will help you see how much of a mortgage you can afford, and the amount of money you can borrow, by taking you through pre-qualifying. In this process, we look at your borrowing power - analyzing your job, available money for down payment, debts, income, and other areas. It is a quick, thorough process with minimal risks for papercuts.

Face to Face

You can always use the calculators here on this site to get an idea of how much mortgage you will be able to afford - but it's also valuable to talk with us. That way, we'll be able to help you get your pre-qualification letter. Next, we can study your mortgage program choices and be sure you are in the right one. Let us help you get started: Call us at 3103737406.

Have questions about pre-qualifying? Call us at 3103737406. It's our job to answer pre-qualification questions, so we're happy to help!