The Importance of Pre-Qualification

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It's important to consult your mortgage loan professional early — even before you've started narrowing down neighborhoods. Why? It might be hard to fathom the ways in which we can help even before you begin to negotiate.

We Will Help You Pre-Qualify

We can help you determine how much of a loan you can qualify for and the monthly payment amount you can afford by getting you pre-qualified. In the process, we calculate your capacity to borrow - looking at your earning status, money available for down payment, debt, income, and other areas. We ask for a minimum amount of paperwork, with a quick process.

At the point you are determined to be eligible, we document our confidence in your ability to qualify for a mortgage by presenting you with a Pre-Qualification Letter (also called a "pre-qual").

Pre-Qual Power

Holding your pre-qualification letter, several advantages fall at your feet once you find the house you want to put together an offer on. First, it helps you know the amount that you can offer. Even more important to the seller of the home, your pre-qualification status gives them certainty - as if you had come to their home with a bag of cash to make the offer! They will not need to wonder if that they're wasting their time if you will not be able to qualify for a big enough mortgage. The seller of the home won't be concerned that he won't be able to trust you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary mortgage loan amount won't cause them concern. They have a virtual guarantee to trust your ability to back up your offer.

We will help you pre-qualify

We can 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. This process walks you through your finances - your debts, income, employment, down payment money, among other things. It's a short, thorough process with minimal risks for papercuts.

One on one

You can certainly use the mortgage calculators here on this site to calculate the size mortgage you'll be able to afford - but it's also valuable to talk with one of our mortgage professionals. For one thing, you will want a Pre-Qualification Letter! Then, we can make sure we have chosen the ideal mortgage loan program for you. Contact us at 720-598-8300 to get started.

Have questions about pre-qualifying? Call us at 720-598-8300. We answer pre-qualification questions every day.