Why Pre-Qualify?

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It is helpful to bring in your mortgage loan professional as soon as possible — even before you have started to consider neighborhoods. Why? How can we help you if you have not made an offer, and don't know yet the amount you want to borrow?

Pre-Qualify

When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford, and the loan amount you can qualify for. This process outlines your finances - your debt, income, job, and cash available for down payment, among other things. It's a short, thorough process with minimal risks for papercuts.

We give you a Pre-Qualification Letter once you qualify, that states that we are confident you can qualify for up to a predetermined amount of mortgage dollars.

Power in the Pre-Qual

After you find the house that is best for you, and you decide to make an offer, being pre-qualified for a mortgage loan will do several things. First, it helps you know how much you're able to offer. Even more important to the existing owner, your pre-qualification status gives them confidence - as if you had arrived at their home with a suitcase of cash to back up the offer! They will not need to worry that they have been wasting their time if you can't be able to qualify for a high enough mortgage. The seller of the home won't be concerned that he can't count on you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary mortgage loan amount won't cause them concern. They have a virtual guarantee that they can trust your ability to back up your offer.

We can help you pre-qualify

When we pre-qualify you, we help you find out how much of a monthly mortgage payment you can afford, and how much we of a loan you can qualify for. The process outlines your financial situation - your debt, income, employment, cash available for down payment, among other things. It's a quick, thorough process with minimal risks for papercuts.

One on one

You can certainly use the calculators on this site to calculate the size mortgage you can afford - but it's also important to meet with one of our mortgage professionals. For one thing, you will need a Pre-Qualification Letter! Next, we can review your loan options and be sure you are in the right one. Contact us at 4058873713 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at 4058873713. It's our job to answer pre-qualification questions, so we're happy to help!