Why Pre-Qualify?

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It is important to bring in your mortgage loan professional as soon as possible — even before you've started to consider neighborhoods. Why? Perhaps it's difficult to understand how we can help even before you begin to calculate your offer.

Pre-Qualify

When we pre-qualify you, we help you decide the amount in monthly payments you can afford, and the size of loan you will qualify for. We do this by considering your debts and income, your employment and residence circumstances, the available funds for down payment, required reserves, and other considerations. It's a quick, thorough process with minimal risks for papercuts.

At the point you are determined to be eligible, we prove our confidence in your capacity to qualify for a loan by awarding you a Pre-Qualification Letter (also called a "pre-qual").

Pre-Qual Power

Armed 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. The first is that you will be sure the amount you'll be able to afford when determining your offer. More important to the existing home owner, your pre-qualification is like your having walked into their house with a suitcase full of money ready to purchase their home! They won't need to be concerned that they're wasting their time if you can't have the ability to qualify for a big enough mortgage loan. The seller won't worry if he can count on you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary mortgage loan amount won't be something for them to be concerned about. They have a virtual guarantee that they can trust your buying power.

We help with your pre-qualification

Our mortgage professionals can help you determine how much of a loan you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. In this process, we calculate your capacity to borrow - reviewing your job, money available for down payment, debt, income, and other circumstances. We will ask for a minimum amount of paperwork, and avoid a lengthy 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 calculator tools on our site. We can walk you through your pre-qualification letter. Next, we can review your mortgage loan options to make sure you are in the right one. Let us help you get started: Call us at 4357556622.

Have questions about pre-qualifying? Call us at 4357556622. It's our job to answer pre-qualification questions, so we're happy to help!