Why Pre-Qualification is Important

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It's helpful to bring in your mortgage professional early — even before you've begun narrowing down neighborhoods. What for? When you do not know yet how much house you want to qualify for, what can we do for you?

We Can Help You Pre-Qualify

When we pre-qualify you, we help you find out the amount in monthly payments you can fit in your budget, and how much we of a loan you can qualify for. We can accomplish this by reviewing your income and debts, your employment and housing situations, the available funds for down payment, required reserves, and some other things. It is a short, thorough process with minimal risks for papercuts.

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

Pre-Qualification Power

When you locate a house that meets your needs, and you want to put together an offer, being pre-qualified for a loan will do several things. First, it helps you know the amount that you can offer. Even more important to the existing owner, your pre-qualification letter gives them certainty - as if you had come to their house with a suitcase of cash to back up the offer! They will not need to wonder if they have been wasting their time if you do not be able to qualify for a high enough mortgage loan. The seller won't be concerned that he won't be able to count on you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed loan amount will not be something for them to be concerned about. They have a virtual guarantee to trust your buying power.

We can help you pre-qualify

We can help you find out the loan amount you can qualify for and the monthly payment amount you can afford by helping you pre-qualify. During the process, we look at your ability to borrow - reviewing your employment, available money for down payment, debts, income, and other areas. It's quick and basic; and we take pride in keeping the paperwork light.

One-on-One

You can always use the calculators here on our website to calculate how much mortgage you will be able to afford - but it's also valuable to talk with us. We can begin working on your pre-qualification letter. Next, we can study your mortgage program choices to make sure you are in the right one. Let us get you started: Contact us at (321) 777-7277.

Have questions about pre-qualifying? Call us at (321) 777-7277. AmeriBest Mortgage answers pre-qualifying questions every day.

Basic Pre-Approval

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