Why Pre-Qualify?

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It is important to visit with a mortgage professional early, even if you haven't decided what sort of house to search for. Why? When you don't yet know how much house you need to qualify for, what can we help you with?

Pre-Qualify

We will help determine how much of a mortgage loan you can afford, and the amount of money you can borrow, by taking you through the pre-qualification process. We can accomplish this by analyzing your debts and income, your employment and housing circumstances, the available funds for down payment, required reserves, and other financial considerations. We will ask for a minimum amount of paperwork, with a short,basic process.

At the point you are considered eligible, we document our confidence in your capacity to qualify for a mortgage loan by giving you a Pre-Qualification Letter (also called a "pre-qual").

Power in the Pre-Qual

With your pre-qualification letter, several advantages fall at your feet at the point you locate the home you want to put together an offer on. First of all, you have some definite numbers in mind, as the total you will qualify for with your loan. Even more important to the present owner, your pre-qualification gives them confidence - as if you'd arrived at their house with a suitcase of cash to make the offer! They will not need to wonder if that they're wasting their time if you won't be able to have the ability to qualify for a big enough mortgage loan. The seller of the home won't be concerned that he can't count on you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary mortgage loan amount won't be something for them to lose sleep over. You'll have the influence of a buyer ready to make the deal right now!

We will help you pre-qualify

Our mortgage professionals will help you determine how much of a loan you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. This process outlines your current financial situation - your debts, income, employment, cash available for down payment, among other things. It's quick and basic; and we keep the paperwork light.

Face to Face

While you can try our tools to calculate mortgage variables on this site, it is a good idea to meet with one of our mortgage professional team members. For one thing, you will need a Pre-Qualification Letter! For another thing, we may locate a different mortgage choice that is a better fit for you. We're eager to hear from you: contact us at 7274926100.

Have questions about pre-qualifying? Call us at 7274926100. It's our job to answer pre-qualification questions, so we're happy to help!