Why Pre-Qualification is Important

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Even if you haven't narrowed down homes to view yet, it's advantageous to see your mortgage loan professional early. Why? When you do not know yet how much home you want to qualify for, how could we help?

Pre-Qualify

When we pre-qualify you, we help you find out the amount in monthly payments you can fit in your budget, and the size of loan you can qualify for. In the process, we calculate your borrowing potential - looking at your employment, money available for down payment, debts, income, and other areas. It's a quick, thorough process with minimal risks for papercuts.

We give you a Pre-Qualification Letter when you qualify, which states that we are confident you'll qualify for a specific amount of mortgage loan dollars.

Power in the Pre-Qual

Various advantages open to you when you have found your dream house, and have achieved pre-qualification. First, it helps you know how much you can offer. More important to the current home owner, your being pre-qualified is like your having walked into their front door with a bag full of money to make the deal! They need not worry that that they are wasting their time if you won't be able to have the ability to qualify for a high enough mortgage loan. The seller won't be concerned that he won't be able to trust 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 that they can trust your ability to back up your offer.

We can help you pre-qualify

We can help you find out how much of a loan you can qualify for and the monthly mortgage payment amount you are able to afford by getting you pre-qualified. We achieve this by considering your income and debts, your employment and residence situations, your funds available for a down payment, required reserves, and some other things. It's quick and basic; and we take pride in keeping the paperwork light.

One on one

You can certainly use the calculators available 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. We can walk you through your pre-qualification letter. For another thing, we might be able to locate a different mortgage option that is a better fit for you. Let us help you get started: Call us at 4056158543.

Have questions about pre-qualifying? Call us at 4056158543. We answer pre-qualification questions every day.