Why it's Important to Pre-Qualify

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It's helpful to bring in your mortgage professional early — even before you have begun researching neighborhoods. What for? Maybe it is difficult to understand how we could help even before you begin to talk about prices and negotiations.

We Will Help You Pre-Qualify

When we pre-qualify you, we help you find out the amount in mortgage payments you can fit in your budget, and the loan amount you will qualify for. We will do this by considering your income and debts, your work and housing circumstances, the funds available for down payment, required reserves, and some other things. We will ask for a minimum amount of paperwork, with a quick process.

After you qualify, we give you what's called a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), that states that we are helping you to find the right mortgage loan program to fit your needs and that we're confident you'll qualify for a loan for up to a certain amount.

Pre-Qualification Power

When you locate the house that meets your needs, and you want to make an offer, being pre-qualified for a mortgage loan will do several things. First, it lets you know how much you are able to offer. Being pre-qualified will also make your offer more attractive to the home seller, as if you were bringing them a suitcase full of cash! They won't have to worry that they are wasting their time if you do not be able to qualify for a high enough mortgage. The seller of the home won't be concerned that he won't be able to trust you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary loan amount will not be something for them to be concerned about. You have the sway of a buyer ready to make the deal right now!

We help with your pre-qualification

We will help you calculate how much of a mortgage loan you can afford, and how much money you may be able to borrow, by walking you through the pre-qualification process. The process outlines your finances - your debt, income, job, cash available for down payment, among other things. We as for a minimum amount of paperwork, with a short, basic process.

One-on-One

It is important for you to sit down and meet with us, even though you are welcome to also use the helpful mortgage calculator tools on this site. That way, we'll help you get your pre-qualification letter. For another thing, we might locate a different mortgage choice that is a better fit for you. Contact us at 1-800-606-2794 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at 1-800-606-2794. We answer pre-qualification questions every day.