Why it's Important to Pre-Qualify

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It's important to consult your mortgage professional early — even before you've started to consider neighborhoods. Why? If you don't know yet how much home you need to qualify for, how can we help?

Pre-Qualify

Our mortgage professionals will help you find out the loan amount you can qualify for and the mortgage payment amount you can afford by getting you pre-qualified. In the process, we explore your borrowing potential - looking at your employment, money available for down payment, debts, income, and other areas. It's short and to the point; We keep the paperwork light.

We will award you a Pre-Qualification Letter when you qualify, that states that we are confident you'll qualify for a predetermined amount of mortgage dollars.

Power in the Pre-Qual

With your pre-qualification letter, some advantages fall at your feet once you locate the house you want to make an offer for. First, you have some general numbers in mind, as the total you will qualify for with your mortgage. Having pre-qualification also will make your offer more attractive to the seller, as if you were bringing them a big box of cash! They won't have to wonder if they are wasting their time if you will not have the ability to qualify for a big enough mortgage loan. The seller of the home won't wonder if he can count on you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary loan amount won't be something for them to worry about. You will have the sway of a buyer ready to make the purchase on the spot!

We can help you pre-qualify

We will help you calculate how much of a loan you can qualify for and the monthly mortgage payment amount you are able to afford by getting you pre-qualified. We do this by reviewing your debts and income, your work and residence situations, the available funds for down payment, required reserves, and some other things. We will require a minimum amount of paperwork, and avoid a lengthy process.

One on one

You can always use the calculators here on our site to calculate the size mortgage you will be able to afford - but it's also valuable to meet with us. For one thing, you will need a Pre-Qualification Letter! For another thing, we may locate a different mortgage loan option that better fits your needs. We are waiting to meet with you: contact us at 1-800-606-2794.

Have questions about pre-qualifying? Call us at 1-800-606-2794. It's our job to answer pre-qualification questions, so we're happy to help!