Why it's Important to Pre-Qualify

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Even if you've not researched houses to visit yet, it's important to contact your mortgage pro first. What for? Maybe it is hard to understand the ways we can help even before you begin to talk about prices and negotiations.

Pre-Qualify

When we pre-qualify you, we help you decide the amount in monthly mortgage payments you can fit in your budget, and the loan amount you will qualify for. We will accomplish this by considering your debts and income, your work and residence circumstances, the available funds for a down payment, required reserves, and other financial considerations. It's quick and basic; We take pride in keeping the paperwork to a minimum.

Once you qualify, we present to you what's called a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), which states that we are helping you to find the ideal mortgage to meet your situation and that we are confident you will qualify for a mortgage loan up to a certain amount.

Buying Clout

Armed with your pre-qualification letter, several advantages are yours when you find the home you want to put together an offer for. First, it helps you know the amount that you can offer. Even more important to the seller of the house, your pre-qualification gives them confidence - as if you had come into their house with a big box of cash to back up the offer! They will not have to wonder if they're wasting their time if you do not be able 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 mortgage loan amount will not cause them concern. They have a virtual guarantee to trust your ability to back up your offer.

We will help you with your pre-qualification

We will help you calculate the loan amount you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. The process outlines your current financial situation - your debt, income, job, down payment money, among other things. It's quick and to the point; and we take pride in keeping the paperwork light.

One-on-One

While you are encouraged to use our tools to calculate mortgage variables on our site, it will be a good idea 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 study your mortgage program choices and be sure you have selected the best one. We are waiting to meet with you: contact us at 3103737406.

Have questions about pre-qualifying? Call us at 3103737406. We answer pre-qualification questions every day.