Why Pre-Qualify?

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It's valuable to consult with your mortgage loan professional as soon as possible — even before you have started to consider neighborhoods. What for? Perhaps it's hard to understand how we can help even before you start to calculate your offer.

We Will Help You Pre-Qualify

We will help determine how much of a mortgage loan you can afford, and the amount of money you can borrow, by taking you through pre-qualifying. In the process, we calculate your capacity to borrow - looking at your job, money available for down payment, debt, income, and other areas. It is a quick, thorough process with minimal risks for papercuts.

Once you qualify, we give you what's called a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), that says that we are working with you to find the ideal mortgage loan to meet your situation and that we are confident you will qualify for a mortgage up to a certain amount.

Pre-Qual Power

Holding your pre-qualification letter, a number of advantages are yours at the point you locate the house you want to put together an offer on. First of all, you have some definite numbers in mind, as the total you can borrow. Even more important to the seller, your pre-qualification status gives them certainty - as if you'd come to their house with a bag of cash to make the offer! They will not have to worry that that they are wasting their time if you won't be able to have the ability to qualify for a big enough mortgage loan. The seller won't be concerned that he can't trust you to qualify for your loan.Your qualifying for the necessary loan amount won't be something for them to be concerned about. You have the ability to back your offer up.

We will help you pre-qualify

Our mortgage professionals will help you find out the loan amount you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. The process walks you through your finances - your debts, income, job, down payment money, among other things. We will ask for a minimum amount of paperwork, and avoid a lengthy process.

One-on-One

You can always use the calculators here on our site to get an idea of how much mortgage you will be able to afford - but it's also valuable to talk with one of our mortgage professionals. For one thing, you will need a Pre-Qualification Letter! Next, we can consider your loan options and be sure you have found the right one. Contact us at 3217777277 to get started.

Have questions about pre-qualifying? Call us at 3217777277. It's our job to answer pre-qualification questions, so we're happy to help!