Why it's Important to Pre-Qualify

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It's helpful to see a mortgage professional early, even if you haven't settled on what type of home to search for. What for? When you do not yet know how much house you need to qualify for, what could we do for you?

Pre-Qualify

When we pre-qualify you, we help you find out how much of a monthly payment you can afford, and how much we of a loan you will qualify for. In the process, we look at your capacity to borrow - analyzing your job, available money for down payment, existing debt, income, and other circumstances. We will ask for a minimum amount of paperwork, with a short,basic process.

We'll give you a Pre-Qualification Letter when you qualify, which documents that we are confident you'll qualify for a predetermined amount of mortgage loan dollars.

Pre-Qual Power

When you find the house that is ideal for you, and you decide to put together an offer, being pre-qualified for a mortgage loan will do a couple of things. First, you have some concrete numbers in mind, as the total you will qualify for on your loan. Even more important to the seller of the house, your pre-qualification letter gives them confidence - as if you'd entered their home with a suitcase of cash to make the offer! They need not be concerned they have been wasting their time if you will not have the ability 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 will not cause them concern. They have a virtual guarantee that they can trust your buying power.

We help with your pre-qualification

Our mortgage professionals can help you find out the loan amount you can qualify for and the monthly mortgage payment amount you are able to afford by getting you pre-qualified. The process walks you through your current financial situation - your debt, income, employment, down payment money, among other things. We as for a minimum amount of paperwork, with a quick process.

One on one

It is important for you to sit down and talk with us, even though you are free to also use the helpful mortgage calculators on this site. We can begin getting your pre-qualification letter. For another thing, we could locate a different mortgage program that better fits your needs. Let us help you get started: Call us at 1-800-606-2794.

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