When to Talk to Your Mortgage Pro About Pre-Qualification

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It is valuable to bring in your mortgage professional early — even before you have started to consider neighborhoods. What for? What can we do for you if you have not negotiated a price, and do not yet know the amount you need to borrow?

Pre-Qualify

We can help determine how much of a mortgage loan you can afford, and how much money you will be able to borrow, by walking you through the pre-qualification process. During this process, we explore your borrowing potential - reviewing your job, money available for down payment, debts, income, and other circumstances. It's a quick, thorough process with minimal risks for papercuts.

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

Power in the Pre-Qual

Holding your pre-qualification letter, several advantages are yours when you find the home you want to make an offer on. First, it helps you know how much you are able to offer. Even more important to the seller of the home, your pre-qualification letter gives them confidence - as if you'd arrived at their house with a big box of cash to back up the offer! They will not need to be concerned they're wasting their time if you will not be able to qualify for a big enough mortgage. The seller won't be concerned that he won't be able to count on you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary loan amount won't be something for them to be concerned about. You have the clout of a buyer ready to make the purchase right now!

We can help you pre-qualify

We can help you determine the loan amount you can qualify for and the monthly mortgage payment amount you are able to afford by helping you pre-qualify. We can accomplish this by considering your income and debts, your work and residence situations, the funds available for a down payment, required reserves, and other considerations. It's quick and to the point; and we take pride in keeping the paperwork to a minimum.

Face to Face

It's vital for you to sit down and talk with us, even though you are welcome to also utilize the helpful mortgage loan calculator tools on our site. We can walk you through your pre-qualification letter. Next, we can consider your loan choices to make sure you are in the right one. We are eager to meet with you: contact us at (512) 291-6100.

Have questions about pre-qualifying? Call us at (512) 291-6100. It's our job to answer pre-qualification questions, so we're happy to help!

Basic Pre-Approval

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