The Importance of Pre-Qualifying

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It's important to consult your mortgage professional early — even before you have begun researching neighborhoods. Why? How can we help if you haven't negotiated a purchase amount, and do not yet know the amount you need to borrow?

We Will Help You Pre-Qualify

We will help you see how much of a mortgage you can afford, and the amount of money you may be able to borrow, by taking you through pre-qualifying. We achieve this by reviewing your debts and income, your work and residence situations, the available funds for a down payment, required reserves, and other financial considerations. It's short and to the point; We take pride in keeping the paperwork to a minimum.

When you qualify, we give you a Pre-Qualification Letter (your real estate agent may refer to it as a "pre-qual"), that states that we are helping you to find the right loan to fit your needs and that we are confident you will qualify for a mortgage loan up to a certain amount.

Pre-Qual Power

Holding your pre-qualification letter, several advantages are yours at the point you find the home you want to put together an offer for. First of all, you have some general numbers in mind, as the amount you can borrow. Even more important to the seller of the home, your pre-qualification gives them confidence - as if you'd entered their home with a bag of cash to make the offer! They will not need to worry that they are wasting their time if you don't be able to qualify for a high enough mortgage. The seller won't be concerned that he can't count on you to qualify for your loan.Your qualifying for your needed loan amount won't cause them concern. They have a virtual guarantee to trust your buying power.

We help with your pre-qualification

Our mortgage professionals can help you find out the loan amount you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified. This process takes you through your current financial situation - your debts, income, job, down payment money, among other things. It's short and to the point; and we take pride in keeping the paperwork light.

Face to Face

You can always use the mortgage calculators available on this website to calculate how much mortgage you can afford - but it's also essential to meet with us. That way, we will be able to help you get your pre-qualification letter. Then, we'll make sure we have found the ideal mortgage loan program for your situation. Contact us at 7702202800 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at 7702202800. It's our job to answer pre-qualification questions, so we're happy to help!