Why Pre-Qualification is Important

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It's helpful to see a mortgage loan pro first, even if you haven't decided what sort of home to search for. What for? How can we help before you have made your offer, and don't know yet how much you need to borrow?

Pre-Qualify

We can help determine how much of a mortgage loan you can afford, and the amount of money you may be able to borrow, by walking you through the pre-qualification process. The process takes you through your finances - your debts, income, employment, and cash available for down payment, among other things. We will require a minimum amount of paperwork, with a short,basic process.

Once you are considered eligible, we prove our confidence in your ability to qualify for a loan by giving you a Pre-Qualification Letter (also known as a "pre-qual").

Pre-Qualification Power

Armed with your pre-qualification letter, several advantages are yours once you find the house you want to make an offer for. First, it helps you know how much you're able to offer. Even more important to the seller, your pre-qualification letter gives them confidence - as if you'd arrived at their house with a bag of cash to back up the offer! They need not be concerned that they have been wasting their time if you won't be able to have the ability to qualify for a big enough mortgage. The seller won't be concerned that he won't be able to count on you to qualify for your mortgage in the amount you will need.Your qualifying for your needed mortgage loan amount will not be something for them to worry about. You can have the influence of a buyer ready to make the purchase right now!

We will help you pre-qualify

We can help you calculate how much of a mortgage you can afford, and how much money you can borrow, by walking you through pre-qualifying. This process takes you through your finances - your debts, income, employment, cash available for down payment, among other things. We will require a minimum amount of paperwork, with a quick process.

Face to Face

You can always use the mortgage calculators here on this website to get an idea of how much mortgage you'll be able to afford - but it's also valuable to meet with one of our mortgage professionals. For one thing, you will want a Pre-Qualification Letter! Next, we can review your mortgage program choices and be sure you have chosen the best one. Let us get you started: Call us at 3103737406.

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