The Importance of Pre-Qualification

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It's important to bring in your mortgage loan professional early — even before you have begun narrowing down neighborhoods. Why? When you don't yet know how much house you need to qualify for, what could we help you with?

We Will Help You Pre-Qualify

When we pre-qualify you, we help you decide the amount in monthly payments you can fit in your budget, and the size of loan you can qualify for. In the process, we determine your ability to borrow - reviewing your job, available money for down payment, existing debt, income, and other circumstances. We ask for a minimum amount of paperwork, with a quick process.

We'll award you a Pre-Qualification Letter if you qualify, that says that we are confident you'll qualify for up to a specific amount of mortgage loan dollars.

Buying Clout

Holding your pre-qualification letter, several advantages fall at your feet at the point you locate the home you want to put together an offer on. The first is that you can be sure the amount you will be able to afford when putting together the offer. Your pre-qualification also will make your offer look even better to the home seller, as if you were bringing them a big box of cash! They will not need to be concerned that they're wasting their time if you can't be able to qualify for a big enough mortgage loan. The seller won't wonder if he can count on you to qualify for your mortgage in the amount you will need.Your qualifying for your needed loan amount will not cause them concern. They have a virtual guarantee to trust your ability to back up your offer.

We can help you pre-qualify

We will help you calculate how much of a loan you can qualify for and the mortgage payment amount you can afford by getting you pre-qualified. We can do this by reviewing your debts and income, your work and housing situations, your available funds for down payment, required reserves, and other considerations. It's quick and basic; and we keep the paperwork to a minimum.

One-on-One

You can always use the calculators here on this site to calculate the size mortgage you'll be able to afford - but it's also valuable to meet with one of our mortgage professionals. That way, we'll help you get your pre-qualification letter. Then, we will make sure we have the right mortgage program for your situation. Contact us at 866-300-1550 to get started.

Have questions about pre-qualifying? Call us at 866-300-1550. We answer pre-qualification questions every day.