Why Pre-Qualification is Important

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It can be valuable to visit with a mortgage professional early, even if you haven't decided the sort of house you hope to find. What for? How can we help if you haven't made an offer, and do not know yet how much you want to borrow?

Pre-Qualify

We will help you see how much of a mortgage you can afford, and how much money you may be able to borrow, by taking you through pre-qualifying. This process outlines your current financial situation - your debt, income, career, and down payment money, among other things. We will ask for a minimum amount of paperwork, and avoid a lengthy process.

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

Power in the Pre-Qual

When you locate the house that is ideal for you, and you decide to make an offer, being pre-qualified for a loan will do several things. First of all, you have some definite numbers in mind, as the amount you can borrow. Even more important to the current owner, your pre-qualification status gives them confidence - as if you had entered their house with a big box of cash to back up the offer! They will not need to wonder if that they have been wasting their time if you do not 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 loan.Your qualifying for the necessary mortgage loan amount won't cause them concern. You'll have the influence of a buyer ready to make the purchase on the spot!

We help with your pre-qualification

Our mortgage professionals will help you determine how much of a loan you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. We can accomplish this by analyzing your income and debts, your employment and housing circumstances, your funds available for down payment, required reserves, and some other things. It's a short, thorough process with minimal risks for papercuts.

Face to Face

While you are encouraged to try our mortgage calculators on our website, it will be essential to sit down and talk with us. For one thing, you will need a Pre-Qualification Letter! Then, we will make sure we have chosen the right mortgage program for your situation. Contact us at 4056158543 to get your pre-qualification process started.

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