Why it's Important to Pre-Qualify

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It's helpful to visit with a mortgage professional early, even if you haven't decided what type of home to search for. What for? If you don't know yet how much house you need to qualify for, what can we help you with?

Pre-Qualify

We will help you calculate how much of a mortgage you can afford, and how much money you can borrow, by walking you through the pre-qualification process. We can do this by considering your debts and income, your work and residence circumstances, your funds available for a down payment, required reserves, and some other things. It's quick and to the point; We take pride in keeping the paperwork light.

After you are determined to be eligible, we document our confidence in your potential to qualify for a loan by presenting you with a Pre-Qualification Letter (also known as a "pre-qual").

Power in the Pre-Qual

With your pre-qualification letter, some advantages are yours once you find the house you want to put together an offer for. First, you have some concrete numbers in mind, as the total you will qualify for on your mortgage loan. Being pre-qualified can also make your offer look even better to the seller, as if you were bringing them a suitcase full of cash! They will not have to worry that that they're wasting their time if you can't be able to qualify for a big enough mortgage. The seller of the home won't worry if he can trust you to qualify for your loan.Your qualifying for the necessary loan amount won't be something for them to worry about. You have the ability to back up your offer.

We help with your pre-qualification

We 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. The process outlines your financial situation - your debts, income, employment, cash available for down payment, among other things. It's quick and basic; and we take pride in keeping the paperwork light.

Face to Face

While you are able to use our tools to calculate mortgage variables on our website, it's a good idea to meet with us. That way, we will help you get your pre-qualification letter. Next, we can review your mortgage loan options to make sure you have found the best one. We're eager to hear from you: contact us at (800) 919-3276.

Have questions about pre-qualifying? Call us at (800) 919-3276. We answer pre-qualification questions every day.