Why it's Important to Pre-Qualify

It is valuable to consult with your mortgage loan professional as soon as possible — even before you have started to consider neighborhoods. Why? How can we help if you have not made your offer, and don't yet know how much you need to borrow?

Pre-Qualify

We will help you see how much of a mortgage loan you can afford, and the amount of money you can borrow, by taking you through pre-qualifying. We accomplish this by considering your income and debts, your work and residence circumstances, your available funds for a down payment, required reserves, and other considerations. It's short and basic; We keep the paperwork to a minimum.

When you are considered eligible, we document our confidence in your potential to qualify for a loan by giving you a Pre-Qualification Letter (also known as a "pre-qual").

Buying Clout

Holding your pre-qualification letter, several advantages fall at your feet once you locate the home you want to put together an offer for. First, you have some concrete numbers in mind, as the amount you can borrow. Even more important to the seller, your pre-qualification letter gives them confidence - as if you had entered their home with a suitcase of cash to back up the offer! They won't have to be concerned that they're wasting their time if you won't be able to be able to qualify for a high enough mortgage. The seller won't be concerned that he can't trust you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed mortgage loan amount won't be something for them to worry about. You have the capability to back your offer up.

We help with your pre-qualification

When we pre-qualify you, we help you figure out the amount you can afford in monthly payments you can fit in your budget, and the loan amount you will qualify for. We achieve this by considering your income and debts, your employment and housing circumstances, the funds available for a down payment, required reserves, and some other things. It's short and to the point; and we take pride in keeping the paperwork light.

Face to Face

While you can use our tools to calculate mortgage variables on our site, it is essential to sit down and talk with one of our mortgage professional team members. We can work toward your pre-qualification letter. Then, we'll make sure we have the right mortgage program for you. We're waiting to hear from you: call us at 9705329896.

Have questions about pre-qualifying? Call us at 9705329896. It's our job to answer pre-qualification questions, so we're happy to help!