Why it's Important to Pre-Qualify

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It's important to visit with a mortgage professional first, even before you have determined the kind of home to look for. What for? What can we do for you before you have made your offer, and don't know yet the amount you need to borrow?

Pre-Qualify

We can help you see how much of a mortgage loan you can afford, and how much money you may be able to borrow, by taking you through pre-qualifying. We can do this by considering your debts and income, your work and residence situations, your available funds for down payment, required reserves, and other financial considerations. It's a short, thorough process with minimal risks for papercuts.

We'll award you a Pre-Qualification Letter after you qualify, that says that we're confident you can qualify for up to a specific amount of mortgage dollars.

Power in the Pre-Qual

With your pre-qualification letter, some advantages are yours when you find the house you want to put together an offer for. The first is that you'll know what you will be able to afford when determining the offer. Even more important to the seller of the house, your pre-qualification gives them confidence - as if you had arrived at their home with a big box of cash to make the offer! They need not worry that that they are wasting their time if you do not be able to qualify for a big enough mortgage. The seller won't worry if he can count on you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed loan amount will not cause them concern. They have a virtual guarantee to trust your ability to back up your offer.

We help with your pre-qualification

When we pre-qualify you, we help you figure out how much of a monthly mortgage payment you can afford, and the loan amount you will qualify for. The process walks you through your current financial situation - your debt, income, career, down payment money, among other things. We as for a minimum amount of paperwork, and avoid a lengthy process.

One on one

It's vital for you to sit down and talk with us, even though you are free to also try the helpful mortgage calculator tools on our site. For one thing, you'll need a Pre-Qualification Letter! Next, we can consider your loan options and be sure you have selected the best one. Contact us at 7205988300 to get started.

Have questions about pre-qualifying? Call us at 7205988300. It's our job to answer pre-qualification questions, so we're happy to help!