Why it's Important to Pre-Qualify

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Even if you haven't so much as picked out houses to visit yet, it is important to visit with your mortgage loan professional first. What for? It might be difficult to fathom how we could help even before you begin to negotiate.

We Can Help You Pre-Qualify

We can help you calculate how much of a mortgage loan you can afford, and how much money you will be able to borrow, by taking you through the pre-qualification process. The process leads you through your current financial situation - your debts, income, employment, and down payment money, among other things. We will ask for a minimum amount of paperwork, and avoid a lengthy process.

When you are determined to be eligible, we document our confidence in your potential to qualify for a mortgage by giving you a Pre-Qualification Letter (also called a "pre-qual").

Pre-Qualification Power

Once you locate a house that is ideal for you, and you decide to put together an offer, being pre-qualified for a loan will do a couple of things. First of all, you have some definite numbers in mind, as the amount you will qualify for with your loan. Even more important to the seller of the home, your pre-qualification status gives them certainty - as if you had come into their house with a suitcase of cash to make the offer! They will not need to be concerned that they have been wasting their time if you will not be able to qualify for a high enough mortgage. The seller won't worry if he can count on you to qualify for your loan.Your qualifying for your needed mortgage loan amount will not be something for them to worry about. They have a virtual guarantee that they can trust your ability to back up your offer.

We will help you pre-qualify

We will help determine how much of a mortgage loan you can afford, and how much money you may be able to borrow, by taking you through the pre-qualification process. We can do this by analyzing your income and debts, your employment and housing circumstances, the funds available for a down payment, required reserves, and some other things. It's short and basic; and we keep the paperwork light.

Face to Face

While you are able to benefit from our tools to calculate mortgage variables on our site, it's a good idea to meet with us. That way, we will help you get your pre-qualification letter. Next, we can review your mortgage program choices and make sure you have chosen the best one. Contact us at 4078987559 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at 4078987559. It's our job to answer pre-qualification questions, so we're happy to help!