Why Pre-Qualification is Important

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Even if you've not so much as researched houses to visit yet, it's important to see your mortgage pro first. What for? It might be difficult to fathom the ways we could help even before you start to talk about prices and negotiations.

We Will Help You Pre-Qualify

When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford, and the size of loan you can qualify for. We achieve this by considering your debts and income, your employment and residence circumstances, the funds available for a down payment, required reserves, and other considerations. We require a minimum amount of paperwork, with a short,basic process.

When you are determined to be eligible, we document our confidence in your ability to qualify for a mortgage loan by giving you a Pre-Qualification Letter (also known as a "pre-qual").

Buying Power

With your pre-qualification letter, some advantages are yours when you find the home you want to put together an offer for. First, it lets you know the amount that you are able to offer. Of greater importance to the home seller, your pre-qualification is like your having entered their front door with a suitcase full of money to purchase their house! They won't need to worry that that they have been wasting their time if you don't have the ability to qualify for a big enough mortgage. The seller won't be concerned that he can't trust you to qualify for your loan.Your qualifying for your needed mortgage loan amount won't cause them concern. You can have the sway of a buyer ready to make the purchase on the spot!

We will help you with your pre-qualification

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 how much we of a loan you will qualify for. The process leads you through your current financial situation - your debts, income, career, cash available for down payment, among other things. We will require a minimum amount of paperwork, and avoid a lengthy process.

Face to Face

It is vital for you to sit down and talk with us, even though you are welcome to also utilize the helpful mortgage calculators on this site. That way, we can help you get your pre-qualification letter. Next, we can study your mortgage choices to make sure you are in the best one. Let us help you get started: Contact us at 3175959600.

Have questions about pre-qualifying? Call us at 3175959600. We answer pre-qualification questions every day.