Why Pre-Qualification is Important

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It is helpful to see a mortgage professional first, even before you've decided the sort of home to look for. What for? If you do not know yet how much house you need to qualify for, how can we help?

Pre-Qualify

We will help determine how much of a mortgage you can afford, and how much money you will be able to borrow, by walking you through the pre-qualification process. This process outlines your finances - your debt, income, employment, and cash available for down payment, among other things. It is a quick, thorough process with minimal risks for papercuts.

After you qualify, we give you what's called a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), which documents the fact that we are helping you to find the best mortgage loan program to meet your needs and that we're confident you'll qualify for a loan up to a certain amount.

Pre-Qual Power

Armed with your pre-qualification letter, several advantages are yours at the point you locate the house you want to put together an offer on. The first is that you'll be sure the amount you'll be able to afford when calculating the offer. More important to the seller, your being pre-qualified is like your having entered their house with a suitcase full of cash to purchase the house! They will not need to wonder if they're wasting their time if you do not be able to qualify for a high enough mortgage. The seller of the home won't be concerned that he won't be able to count on you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary mortgage loan amount will not be something for them to lose sleep over. You can have the clout of a buyer ready to make the purchase right now!

We help with your pre-qualification

Our mortgage professionals can help you find out how much of a loan you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified. We can do this by reviewing your income and debts, your employment and housing situations, the funds available for down payment, required reserves, and other considerations. It is a short, thorough process with minimal risks for papercuts.

One on one

It's vital to sit down and talk with us, even though you are welcome to also use the helpful mortgage loan calculator tools on our site. We can work toward your pre-qualification letter. For another thing, we may locate a different mortgage option that is a better fit for you. Let us get you started: Call 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!