The Importance of Pre-Qualification

Shopping for a mortgage loan? We'll be glad to discuss your mortgage needs! Give us a call today at 435-755-6622. Ready to get started? Apply Now.

It's valuable to bring in your mortgage loan professional early — even before you've begun researching neighborhoods. Why? When you do not yet know how much home you want to qualify for, what could we help you with?

We Will Help You Pre-Qualify

We can help you calculate how much of a mortgage loan you can afford, and the amount of money you can borrow, by walking you through pre-qualifying. We achieve this by reviewing your income and debts, your employment and residence circumstances, your funds available for down payment, required reserves, and some other things. It's short and to the point; We keep the paperwork to a minimum.

After you are considered eligible, we will prove our confidence in your ability to qualify for a mortgage loan by presenting you with a Pre-Qualification Letter (also called a "pre-qual").

Buying Power

Several advantages open to you after you have found your next house, and have pre-qualification power. The first is that you will know what you'll be able to afford when calculating the offer. Even more important to the seller of the house, your pre-qualification letter gives them certainty - as if you had arrived at their home with a bag of cash to make the offer! They need not be concerned that they have been wasting their time if you don't be able to qualify for a big enough mortgage loan. The seller of the home won't worry if he can trust you to qualify for your loan.Your qualifying for the necessary loan amount will not be something for them to worry about. You can have the sway of a buyer ready to make the deal on the spot!

We can help you pre-qualify

Our mortgage professionals can help you determine the loan amount you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. In this process, we look at your borrowing potential - analyzing your job, available money for down payment, existing debt, income, and other areas. It's short and to the point; and we keep the paperwork to a minimum.

Face to Face

It's important for you to sit down and meet with us, even though you are free to also try the helpful mortgage calculators on our website. That way, we will help you get your pre-qualification letter. Then, we'll make sure we have chosen the right mortgage loan program for you. Let us help you get started: Call us at 435-755-6622.

Have questions about pre-qualifying? Call us at 435-755-6622. It's our job to answer pre-qualification questions, so we're happy to help!