Why Pre-Qualify?

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It's helpful to consult with your mortgage loan professional early — even before you've started narrowing down neighborhoods. Why? How can we help you if you haven't negotiated a purchase amount, and do not know yet the amount you want to borrow?

Pre-Qualify

We will help determine how much of a mortgage you can afford, and the amount of money you can borrow, by taking you through the pre-qualification process. We will accomplish this by analyzing your debts and income, your work and housing circumstances, your available funds for down payment, required reserves, and some other things. It's a short, thorough process with minimal risks for papercuts.

We award you a Pre-Qualification Letter after you qualify, that states that we are confident you will qualify for up to a predetermined amount of mortgage dollars.

Power in the Pre-Qual

After you find the house that is right for you, and you want to make an offer, being pre-qualified for a mortgage will do a couple of things. The first is that you can know what you can afford when calculating your offer. Having pre-qualification also will make your offer look even better to the seller, as if you were bringing them a big box of cash! They won't have to worry that that they're wasting their time if you will not have the ability to qualify for a high enough mortgage. The seller of the home won't be concerned that he can't count on you to qualify for your loan.Your qualifying for the necessary mortgage loan amount will not cause them concern. They have a virtual guarantee to trust your ability to back up your offer.

We help with your pre-qualification

We can help you calculate how much of a mortgage you can afford, and how much money you may be able to borrow, by taking you through pre-qualifying. In the process, we calculate your ability to borrow - looking at 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 are encouraged to use our mortgage calculators on our site, it's essential to meet with one of our mortgage professional team members. That way, we'll help you get your pre-qualification letter. Next, we can review your mortgage program options and be sure you have found the right one. Contact us at 2147390569 to get started.

Have questions about pre-qualifying? Call us at 2147390569. We answer pre-qualification questions every day.