Why it's Important to Pre-Qualify

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It is important to consult your mortgage professional early — even before you've started to consider neighborhoods. Why? When you do not know yet how much home you need to qualify for, what could we do for you?

Pre-Qualify

We can help you calculate the loan amount you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. During this process, we determine your ability to borrow - looking at your earning status, available money for down payment, debt, income, and other areas. We will ask for a minimum amount of paperwork, with a short,basic process.

When you qualify, we give you what's called a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), that states that we are working with you to find the best loan program to fit your needs and that we're confident you will qualify for a mortgage for a specific amount.

Buying Power

Several advantages open to you once you have found your dream house, and have achieved pre-qualification. First, it helps you know how much you're able to offer. Even more important to the seller, your pre-qualification gives them certainty - as if you had arrived at their house with a big box of cash to make the offer! They will not need to be concerned they are wasting their time if you do not be able to qualify for a high enough mortgage loan. The seller won't worry if he can count on you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary loan amount will not cause them concern. They have a virtual guarantee that they can trust your buying power.

We help with your pre-qualification

We will help you determine the loan amount you can qualify for and the monthly payment amount you can afford by helping you pre-qualify. We do this by reviewing your debts and income, your work and residence circumstances, the funds available for down payment, required reserves, and other considerations. It is a short, thorough process with minimal risks for papercuts.

Face to Face

It is vital for you to sit down and meet with us, even though you are welcome to also use the helpful mortgage calculator tools on our site. We can walk you through your pre-qualification letter. For another thing, we might find a different mortgage option that is a better fit for you. Let us get you started: Call us at 7027302085.

Have questions about pre-qualifying? Call us at 7027302085. It's our job to answer pre-qualification questions, so we're happy to help!

Basic Pre-Approval

Get the Best Mortgage Rate! Tell us a little about your current needs and we can use that information to match you with just the right loan.

Tell us about your loan needs.
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Tell us about your credit history.