The Importance of Pre-Qualifying

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It is important to consult with your mortgage professional as soon as possible — even before you've started to consider neighborhoods. What for? What can we do for you before you have made your offer, and do not know yet the amount you want to borrow?

Pre-Qualify

Our mortgage professionals can help you find out how much of a loan you can qualify for and the mortgage payment amount you can afford by getting you pre-qualified. The process leads you through your finances - your debts, income, employment, and cash available for down payment, among other things. It's a short, thorough process with minimal risks for papercuts.

After you qualify, will give you what's called a Pre-Qualification Letter (your real estate agent may refer to it as a "pre-qual"), that states that we are partnering with you to find the ideal mortgage to meet your financial needs and that we are confident you'll qualify for a mortgage loan for a specific amount.

Pre-Qual Power

Holding your pre-qualification letter, several advantages fall at your feet at the point you locate the home you want to make an offer for. First, it helps you know how much you can offer. Of greater importance to the current home owner, your being pre-qualified is like your having walked into their house with a suitcase full of money ready to purchase the home! They need not worry that they are wasting their time if you won't be able to have the ability to qualify for a high enough mortgage. The seller of the home won't worry if he can trust you to qualify for your loan.Your qualifying for the necessary loan amount will not cause them concern. They have a virtual guarantee to trust your ability to back up your offer.

We will help you pre-qualify

We can help you calculate how much of a mortgage loan you can afford, and the amount of money you will be able to borrow, by walking you through pre-qualifying. The process leads you through your finances - your debts, income, career, down payment money, among other things. We will require a minimum amount of paperwork, and avoid a lengthy process.

One on one

It's vital for you to sit down and meet with us, even though you are welcome to also use the helpful mortgage loan calculators on our site. We can begin getting your pre-qualification letter. For another thing, we may find a different mortgage option that better fits your needs. Let us help you get started: Contact us at 3217777277.

Have questions about pre-qualifying? Call us at 3217777277. We answer pre-qualification questions every day.