Why Pre-Qualify?

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It is helpful to visit with a mortgage loan pro early, even if you haven't decided what type of home to search for. What for? If you do not know yet how much home you need to qualify for, how could we help?

Pre-Qualify

We can help you determine the loan amount you can qualify for and the mortgage payment amount you can afford by getting you pre-qualified. We do this by reviewing your income and debts, your employment and housing situations, the available funds for down payment, required reserves, and other considerations. It is a short, thorough process with minimal risks for papercuts.

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

Pre-Qual Power

Several beneifits open to you after you've found your next house, and have achieved pre-qualification power. The first is that you'll know what you'll be able to afford when putting together the offer. Even more important to the seller of the home, your pre-qualification gives them confidence - as if you had come into their house with a big box of cash to back up the offer! They need not be concerned they have been wasting their time if you don't be able to qualify for a high enough mortgage. 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 will need.Your qualifying for your needed loan amount won't cause them concern. You have the sway of a buyer ready to make the purchase right now!

We can help you pre-qualify

When we pre-qualify you, we help you decide the amount you can afford in monthly mortgage payments you can fit in your budget, and the size of loan you will qualify for. In the process, we look at your borrowing capacity - analyzing your job, available money for down payment, debt, income, and other circumstances. It's quick and to the point; and we keep the paperwork to a minimum.

One on one

While you are encouraged to benefit from our tools to calculate mortgage variables on this site, it is essential to sit down and talk with one of our mortgage professional team members. We can work toward your pre-qualification letter. Next, we can review your loan options to be sure you are in the best one. We're waiting to hear from you: contact us at 2148657442.

Have questions about pre-qualifying? Call us at 2148657442. We answer pre-qualification questions every day.