Why Pre-Qualification is Important

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Even if you've not so much as picked out homes to view yet, it's important to see your mortgage loan professional early. Why? What can we do for you before you have negotiated an amount, and don't know yet the amount you need to borrow?

Pre-Qualify

Our mortgage professionals will help you calculate how much of a loan you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. During this process, we explore your ability to borrow - reviewing your employment, money available for down payment, existing debt, income, and other circumstances. It's short and basic; We take pride in keeping the paperwork to a minimum.

Once you qualify, will give you a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), that states that we are working with you to find the ideal loan to fit your needs and that we're confident you'll qualify for a mortgage for a specific amount.

Buying Power

A number of beneifits open to you when you've found your dream house, and have achieved pre-qualification. The first is that you will know what you can afford when calculating your offer. Your pre-qualification will also make your offer look even better to the home seller, as if you were bringing them a big box of cash! They won't have to worry that that they are wasting their time if you can't be able to qualify for a high enough mortgage loan. The seller won't be concerned that he can't trust you to qualify for your mortgage in the amount you will need.Your qualifying for your needed mortgage loan amount will not cause them concern. You'll have the clout of a buyer ready to make the deal right now!

We will help you with your pre-qualification

We will help you find out the loan amount you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. We do this by reviewing your debts and income, your work and residence situations, the available funds for a down payment, required reserves, and other considerations. We require a minimum amount of paperwork, with a quick process.

Face to Face

It is important for you to sit down and talk with us, even though you are welcome to also utilize the helpful mortgage loan calculators on this website. For one thing, you will want a Pre-Qualification Letter! Next, we can review your mortgage choices to be sure you are in the right one. Let us get you started: Contact us at (707) 252-2700.

Have questions about pre-qualifying? Call us at (707) 252-2700. It's our job to answer pre-qualification questions, so we're happy to help!