The Importance of Pre-Qualifying

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Even if you've not so much as narrowed down houses to view yet, it's advantageous to see your mortgage professional first. What for? How can we help if you have not negotiated a price, and don't know yet the amount you need to borrow?

We Can Help You Pre-Qualify

Our mortgage professionals can help you find out the loan amount you can qualify for and the monthly payment amount you are able to afford by getting you pre-qualified. We can achieve this by considering your debts and income, your employment and residence circumstances, the available funds for a down payment, required reserves, and some other things. We require a minimum amount of paperwork, and avoid a lengthy process.

We'll give you a Pre-Qualification Letter if you qualify, that says that we're confident you can qualify for a specific amount of mortgage dollars.

Pre-Qual Power

After you find a house that catches your eye, and you want to put together an offer, being pre-qualified for a mortgage will do a number of things. First, you have some concrete numbers in mind, as the total you will be able to borrow. Even more important to the seller, your pre-qualification letter gives them certainty - as if you'd arrived at their house with a big box of cash to make the offer! They will not have to wonder if they have been wasting their time if you do not be able to qualify for a high enough mortgage loan. The seller of the home won't be concerned that he can't count on you to qualify for your loan.Your qualifying for the necessary mortgage loan amount won't be something for them to be concerned about. You will have the influence of a buyer ready to make the purchase right now!

We will help you with your pre-qualification

When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford, and the loan amount you can qualify for. During the process, we explore your borrowing potential - reviewing your job, money available for down payment, debts, income, and other areas. It's short and basic; and we keep the paperwork light.

One-on-One

While you can benefit from our mortgage calculators on this website, it's a good idea to meet with us. That way, we'll be able to help you get your pre-qualification letter. For another thing, we might locate a different mortgage program that fits your goals better. 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.