Why it's Important to Pre-Qualify

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Even if you've not so much as picked out houses to visit yet, it's advantageous to see your mortgage professional early. Why? If you do not yet know how much home you need to qualify for, how can we help?

Pre-Qualify

We can help you see how much of a mortgage you can afford, and how much money you can borrow, by taking you through the pre-qualification process. The process outlines your current financial situation - your debt, income, employment, and cash available for down payment, among other things. It's quick and basic; We take pride in keeping the paperwork to a minimum.

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

Power in the Pre-Qual

A number of advantages open to you once you have found your new house, and have achieved pre-qualification. First of all, you have some general numbers in mind, as the amount you will qualify for on your mortgage. Of greater importance to the seller, your pre-qualification is like your having entered their front door with a suitcase full of cash to purchase their house! They need not worry that that they have been wasting their time if you will not have the ability to qualify for a big enough mortgage. The seller of the home won't worry if he can count on you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary loan amount will not cause them concern. They have a virtual guarantee that they can trust your buying power.

We help with your pre-qualification

We will help determine how much of a mortgage loan you can afford, and the amount of money you may be able to borrow, by taking you through pre-qualifying. In this process, we determine your ability to borrow - looking at your earning status, money available for down payment, existing debt, income, and other circumstances. We will ask for a minimum amount of paperwork, with a short, basic process.

Face to Face

It's important for you to sit down and talk with us, even though you are free to also utilize the helpful mortgage loan calculator tools on this website. We can walk you through your pre-qualification letter. Then, we can make sure we have the best mortgage program for your situation. We are eager to hear from you: contact us at 720-598-8300.

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