The Importance of Pre-Qualification

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It's important to consult with your mortgage professional as soon as possible — even before you have begun narrowing down neighborhoods. What for? What can we do for you if you haven't made your offer, and don't know yet the amount you want to borrow?

We Will Help You Pre-Qualify

When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can fit in your budget, and the loan amount you can qualify for. The process outlines your finances - your debts, income, employment, and down payment money, among other things. It is a quick, thorough process with minimal risks for papercuts.

When you qualify, we present to you a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), that documents the fact that we are working with you to find the right mortgage to meet your needs and that we are confident you'll qualify for a loan for up to a specific amount.

Buying Clout

Once you find the house that is best for you, and you decide to make an offer, being pre-qualified for a mortgage will do a number of things. First, it lets you know how much you are able to offer. Of greater importance to the seller, your being pre-qualified is like your having walked into their house with a bag full of money ready to make the deal! They will not need to wonder if they're wasting their time if you won't be able to be able to qualify for a big enough mortgage. The seller won't worry if he can trust you to qualify for your loan.Your qualifying for your needed loan amount will not be something for them to fret over. They have a virtual guarantee that they can trust your buying power.

We will help you pre-qualify

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. This process walks you through your current financial situation - your debts, income, employment, down payment money, among other things. We require a minimum amount of paperwork, and avoid a lengthy process.

One on one

While you are able to benefit from our mortgage calculators on our site, it will be a good idea to sit down and talk with us. That way, we will be able to help you get your pre-qualification letter. Then, we can make sure we have selected the ideal mortgage loan program for your situation. Contact us at 7072522700 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at 7072522700. It's our job to answer pre-qualification questions, so we're happy to help!