Why it's Important to Pre-Qualify

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Even if you've not so much as researched homes to view yet, it is advantageous to visit with your mortgage pro first. What for? It might be hard to understand the ways we could help even before you begin to talk about prices and negotiations.

Pre-Qualify

We will help you see how much of a mortgage you can afford, and how much money you may be able to borrow, by walking you through the pre-qualification process. In the process, we explore your capacity to borrow - analyzing your employment, money available for down payment, debts, income, and other circumstances. It's a quick, thorough process with minimal risks for papercuts.

When you qualify, will present to you what's called a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), which documents the fact that we are working with you to find the right mortgage loan to meet your situation and that we're confident you'll qualify for a mortgage for up to a certain amount.

Pre-Qual Power

Some advantages open to you after you've found your next house, and have achieved pre-qualification power. First, you have some general numbers in mind, as the total you will qualify for with your mortgage loan. Being pre-qualified can also make your offer look even better to the seller, like you were bringing them a big box of cash! They will not need to be concerned that they are wasting their time if you will not be able to qualify for a high enough mortgage. The seller won't worry if he can count on you to qualify for your loan.Your qualifying for the necessary loan amount will not be something for them to fret over. They have a virtual guarantee that they can trust your ability to back up your offer.

We can help you pre-qualify

We will help you see how much of a mortgage loan you can afford, and how much money you will be able to borrow, by walking you through the pre-qualification process. We accomplish this by considering your income and debts, your employment and housing circumstances, your funds available for down payment, required reserves, and other considerations. We as for a minimum amount of paperwork, with a short, basic process.

One on one

It is vital to sit down and meet with us, even though you are welcome to also use the helpful mortgage calculators on our site. We can begin working on your pre-qualification letter. Then, we'll make sure we have chosen the ideal mortgage program for you. Let us help you get started: Contact us at 7702202800.

Have questions about pre-qualifying? Call us at 7702202800. Home Pointe Mortgage Company answers pre-qualifying questions every day.


Home Pointe Mortgage Company

3235 Shallowford Rd. NE,
Chamblee , Georgia 30341