When to Speak to Your Mortgage Professional

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Even if you've not so much as researched houses to visit yet, it can be valuable to visit with your mortgage pro first. Why? If you do not know yet how much home you want to qualify for, what could we do for you?

We Will Help You Pre-Qualify

Our mortgage professionals will help you find out how much of a loan you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. We achieve this by reviewing your debts and income, your employment and residence circumstances, your funds available for down payment, required reserves, and some other things. We will require a minimum amount of paperwork, with a short,basic process.

Once you qualify, we give you what's called a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), which states that we are working with you to find the right mortgage to meet your needs and that we are confident you will qualify for a mortgage up to a certain amount.

Pre-Qual Power

A number of advantages open to you once you find your new house, and have pre-qualification power. First, it lets you know how much you're able to offer. Your pre-qualification can also make your offer more attractive to the seller, as if you were bringing them a suitcase full of cash! They won't need to worry that they have been wasting their time if you can't have the ability to qualify for a high enough mortgage. The seller won't be concerned that he can't count on you to qualify for your loan.Your qualifying for the necessary loan amount won't be something for them to lose sleep over. You can have the clout of a buyer ready to make the deal right now!

We will help you pre-qualify

We will help you see how much of a mortgage you can afford, and how much money you will be able to borrow, by walking you through the pre-qualification process. The process takes you through your financial situation - your debts, income, employment, cash available for down payment, among other things. We require a minimum amount of paperwork, with a short, basic process.

One on one

While you are encouraged to benefit from our tools to calculate mortgage variables on this website, it's a good idea to sit down and talk with us. That way, we can help you get your pre-qualification letter. Next, we can review your mortgage options to make sure you have chosen the best one. We are waiting to meet with 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!