Why Pre-Qualification is Important

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It can be important to visit with a mortgage professional early, even before you have determined the kind of house you hope to find. Why? Perhaps it's difficult to fathom the ways in which we could help even before you start to negotiate.

We Can Help You Pre-Qualify

We can help you determine the loan amount you can qualify for and the monthly payment amount you are able to afford by helping you pre-qualify. During the process, we look at your borrowing potential - reviewing your earning status, available money for down payment, existing debt, income, and other circumstances. It's short and basic; We keep the paperwork to a minimum.

Once you qualify, we present to you what's called a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), which documents the fact that we are partnering with you to find the ideal loan program to fit your financial needs and that we are confident you'll qualify for a mortgage for a certain amount.

Pre-Qual Power

With your pre-qualification letter, a number of advantages fall at your feet at the point you locate the house you want to put together an offer for. First, it helps you know the amount that you are able to offer. Being pre-qualified can also make your offer look even better to the seller, as if you were bringing them a bag full of cash! They need not wonder if that they are wasting their time if you don't be able to qualify for a high enough mortgage. The seller won't be concerned that he can't count on you to qualify for your loan.Your qualifying for your needed loan amount will not be something for them to lose sleep over. They have a virtual guarantee that they can trust your ability to back up your offer.

We will help you with your pre-qualification

We can help you see how much of a mortgage you can afford, and the amount of money you can borrow, by walking you through pre-qualifying. During this process, we look at your borrowing potential - analyzing your employment, available money for down payment, existing debt, income, and other areas. We require a minimum amount of paperwork, and avoid a lengthy process.

One on one

While you can benefit from our mortgage calculators on our website, it's a good idea to meet with one of our mortgage professional team members. We can walk you through your pre-qualification letter. Next, we can consider your mortgage loan choices to make sure you have found the right one. Contact us at (321) 777-7277 to get started.

Have questions about pre-qualifying? Call us at (321) 777-7277. It's our job to answer pre-qualification questions, so we're happy to help!