Why Pre-Qualification is Important

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Even if you've not researched homes to visit yet, it's important to visit with your mortgage loan professional early. What for? If you do not know yet how much house you want to qualify for, what can we help you with?

Pre-Qualify

When we pre-qualify you, we help you figure out how much of a monthly payment you can afford, and the size of loan you will qualify for. During the process, we explore your borrowing potential - reviewing your job, available money for down payment, existing debt, income, and other circumstances. It is a quick, thorough process with minimal risks for papercuts.

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

Buying Power

After you find a house that is right for you, and you want to make an offer, being pre-qualified for a mortgage will do a number of things. The first is that you can be sure what you will be able to afford when putting together the offer. Of greater importance to the seller, your pre-qualification is like your having walked into their front door with a bag full of money to make the deal! They won't need to worry that that they have been wasting their time if you can't 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 your needed loan amount won't cause them concern. You have the ability to back your offer up.

We will help you with your pre-qualification

Our mortgage professionals can help you determine how much of a loan you can qualify for and the mortgage payment amount you can afford by helping you pre-qualify. The process outlines your finances - your debts, income, career, cash available for down payment, among other things. It is a quick, thorough process with minimal risks for papercuts.

Face to Face

You can always use the mortgage calculators available on our website to get an idea of how much mortgage you'll be able to afford - but it's also important to meet with us. For one thing, you'll need a Pre-Qualification Letter! Next, we can study your loan choices to make sure you have found the best one. Contact us at 7072522700 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at 7072522700. We answer pre-qualification questions every day.