Why Pre-Qualification is Important

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It is valuable to see a mortgage professional early, even if you haven't settled on what sort of home you hope to find. Why? It may be difficult to fathom the way we can help even before you start to calculate your offer.

We Can Help You Pre-Qualify

When we pre-qualify you, we help you decide the amount in monthly mortgage payments you can fit in your budget, and the loan amount you can qualify for. We do this by considering your debts and income, your work and housing situations, the available funds for a down payment, required reserves, and other financial considerations. It is a short, thorough process with minimal risks for papercuts.

Once you are determined to be eligible, we prove our confidence in your potential to qualify for a mortgage by awarding you a Pre-Qualification Letter (also called a "pre-qual").

Power in the Pre-Qual

A number of advantages open to you after you've found your dream house, and have achieved pre-qualification. The first is that you can know the amount you'll be able to afford when calculating your offer. Having pre-qualification will also make your offer look even better to the seller, as if you were bringing them a big box of cash! They need not wonder if that they have been wasting their time if you can't be able to qualify for a high enough mortgage. The seller won't wonder if he can trust you to qualify for your loan.Your qualifying for the necessary mortgage loan amount will not cause them concern. You have the sway of a buyer ready to make the deal on the spot!

We will help you pre-qualify

We will help you determine how much of a loan you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. We can accomplish this by analyzing your income and debts, your employment and housing situations, the available funds for down payment, required reserves, and other considerations. It's short and basic; and we take pride in keeping the paperwork to a minimum.

Face to Face

You can certainly use the calculators here on our website to get an idea of how much mortgage you can afford - but it's also valuable to meet with one of our mortgage professionals. That way, we can help you get your pre-qualification letter. Then, we can make sure we have the best mortgage loan program for your situation. Let us get you started: Contact us at 8007903317.

Have questions about pre-qualifying? Call us at 8007903317. We answer pre-qualification questions every day.