Why Pre-Qualify?

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Even if you've not picked out homes to view yet, it can be advantageous to see your mortgage professional first. What for? It might be hard to fathom the way we can help even before you begin to calculate your offer.

Pre-Qualify

Our mortgage professionals can help you calculate the loan amount you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified. During the process, we determine your capacity to borrow - reviewing your employment, money available for down payment, debts, income, and other circumstances. It's short and to the point; We keep the paperwork light.

After you qualify, will present to you what's called a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), which documents the fact that we are working with you to find the right loan program to fit your situation and that we're confident you will qualify for a loan for a specific amount.

Buying Power

Several beneifits open to you when you find your next house, and have achieved pre-qualification power. First, it helps you know how much you can offer. Of greater importance to the home seller, your pre-qualification is like your having walked into their house with a bag full of money to make the deal! They won't have to be concerned that they're wasting their time if you don't be able to qualify for a high enough mortgage loan. The seller won't worry if he can count on you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary loan amount will not cause them concern. You have the capability to back your offer up.

We can help you pre-qualify

We can help you see how much of a mortgage loan you can afford, and how much money you can borrow, by taking you through the pre-qualification process. During the process, we determine your borrowing capacity - analyzing your employment, money available for down payment, debt, income, and other areas. It's a short, thorough process with minimal risks for papercuts.

One on one

You can certainly use the mortgage calculators here on our website to calculate how much mortgage you will be able to afford - but it's also essential to talk with one of our mortgage professionals. That way, we'll be able to help you get your pre-qualification letter. Then, we will make sure we have the ideal mortgage program for you. Contact us at 3217777277 to get started.

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