The Importance of Pre-Qualification

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It's valuable to visit with a mortgage loan pro first, even if you haven't settled on what type of house you hope to find. Why? When you do not know yet how much home you need to qualify for, how could we help?

Pre-Qualify

We will help you determine how much of a loan you can qualify for and the mortgage payment amount you can afford by helping you pre-qualify. The process outlines your financial situation - your debts, income, career, and cash available for down payment, among other things. It's a quick, thorough process with minimal risks for papercuts.

At the point you are determined to be eligible, we will prove our confidence in your capacity to qualify for a mortgage loan by awarding you a Pre-Qualification Letter (also called a "pre-qual").

Pre-Qual Power

With your pre-qualification letter, a number of advantages are yours when you locate the home you want to put together an offer on. The first is that you'll be sure what you can afford when calculating the offer. Even more important to the existing owner, your pre-qualification letter gives them certainty - as if you had arrived at their house with a big box of cash to make the offer! They won't need to be concerned that they have been wasting their time if you don't be able to qualify for a high enough mortgage. The seller of the home won't be concerned that he can't trust you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed loan amount will not cause them concern. You have the ability to back your offer up.

We will help you with your pre-qualification

We can help you calculate how much of a mortgage loan you can afford, and the amount of money you may be able to borrow, by taking you through pre-qualifying. In this process, we determine your borrowing potential - looking at your earning status, money available for down payment, debts, income, and other circumstances. It's quick and basic; and we take pride in keeping the paperwork to a minimum.

One-on-One

While you can try our mortgage calculators on this website, it's essential to sit down and talk with us. That way, we'll be able to help you get your pre-qualification letter. For another thing, we could locate a different mortgage program that fits your needs better. We are waiting to hear from you: call us at 866-300-1550.

Have questions about pre-qualifying? Call us at 866-300-1550. It's our job to answer pre-qualification questions, so we're happy to help!