When to Speak to Your Mortgage Pro About Pre-Qualifying

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Even if you have not so much as researched houses to view yet, it's advantageous to visit with your mortgage professional early. Why? How can we help before you have made your offer, and do not yet know the amount you need to borrow?


When we pre-qualify you, we help you figure out the amount in mortgage payments you can fit in your budget, and the loan amount you can qualify for. In this process, we look at your borrowing potential - looking at your earning status, money available for down payment, existing debt, income, and other areas. We will ask for a minimum amount of paperwork, and avoid a lengthy process.

When you are considered eligible, we prove our confidence in your ability to qualify for a mortgage by presenting you with a Pre-Qualification Letter (also called a "pre-qual").

Buying Power

After you locate the house that is right for you, and you decide to put together an offer, being pre-qualified for a mortgage loan will do a couple of things. First, you have some general numbers in mind, as the amount you can borrow. Even more important to the seller of the house, your pre-qualification gives them certainty - as if you had arrived at their home with a suitcase of cash to back up the offer! They will not have to wonder if they are wasting their time if you will not have the ability to qualify for a high enough mortgage loan. The seller won't wonder if he can count on you to qualify for your loan.Your qualifying for your needed loan amount won't be something for them to worry about. You will have the influence of a buyer ready to make the deal right now!

We help with your pre-qualification

When we pre-qualify you, we help you figure out the amount you can afford in monthly mortgage payments you can fit in your budget, and the loan amount you can qualify for. We will do this by analyzing your income and debts, your employment and housing circumstances, your available funds for down payment, required reserves, and some other things. It's quick and basic; and we take pride in keeping the paperwork light.

One on one

While you are able to use our mortgage calculators on our site, it is essential to meet with one of our mortgage professional team members. We can walk you through your pre-qualification letter. Next, we can study your loan choices to make sure you are in the best one. Let us get you started: Contact us at 720-598-8300.

Have questions about pre-qualifying? Call us at 720-598-8300. Foxfield Financial answers pre-qualifying questions every day.

Basic Pre-Approval

Get the Best Mortgage Rate! Tell us a little about your current needs and we can use that information to match you with just the right loan.

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