Why it's Important to Pre-Qualify

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It is helpful to consult with your mortgage loan professional as soon as possible — even before you've started narrowing down neighborhoods. Why? How can we help if you haven't made your offer, and don't know yet how much you want to borrow?

Pre-Qualify

When we pre-qualify you, we help you figure out how much of a monthly payment you can fit in your budget, and the size of loan you can qualify for. The process takes you through your financial situation - your debts, income, career, and cash available for down payment, among other things. It's quick and to the point; We take pride in keeping the paperwork to a minimum.

Once you qualify, we present to you a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), which documents the fact that we are partnering with you to find the right mortgage loan to fit your needs and that we're confident you'll qualify for a mortgage for a certain amount.

Power in the Pre-Qual

When you find the house that is right for you, and you decide to make an offer, being pre-qualified for a mortgage loan will do several things. First, it lets you know the amount that you are able to offer. Of greater importance to the home seller, your being pre-qualified is like your having entered their house with a bag full of cash ready to purchase their house! They won't need to worry that that they have been wasting their time if you don't have the ability to qualify for a high enough mortgage loan. 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 your needed loan amount will not cause them concern. You will have the clout of a buyer ready to make the purchase on the spot!

We will help you with your pre-qualification

We will help you see how much of a mortgage loan you can afford, and the amount of money you may be able to borrow, by taking you through the pre-qualification process. In the process, we calculate your borrowing capacity - analyzing your earning status, available money for down payment, existing debt, income, and other circumstances. It's quick and basic; and we keep the paperwork light.

One on one

You can certainly use the mortgage calculators here on this website to get an idea of how much mortgage you will be able to afford - but it's also important to meet with us. We can walk you through your pre-qualification letter. For another thing, we could be able to find a different mortgage loan option that is a better fit for you. We are waiting to hear from you: contact us at 5122916100.

Have questions about pre-qualifying? Call us at 5122916100. It's our job to answer pre-qualification questions, so we're happy to help!