The Importance of Pre-Qualification

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It is important to visit with a mortgage professional first, even before you have determined what sort of house you hope to find. Why? When you don't yet know how much home you need to qualify for, how can we help?

We Will Help You Pre-Qualify

We can help you see how much of a mortgage you can afford, and how much money you can borrow, by taking you through pre-qualifying. We can do this by considering your income and debts, your work and residence circumstances, the available funds for a down payment, required reserves, and other financial considerations. It's a short, thorough process with minimal risks for papercuts.

We'll give you a Pre-Qualification Letter if you qualify, which documents that we're confident you'll qualify for a certain amount of mortgage loan dollars.

Buying Clout

Armed with your pre-qualification letter, some advantages are yours when you locate the home you want to put together an offer for. The first is that you will know what you can afford when determining the offer. Even more important to the seller of the house, your pre-qualification gives them confidence - as if you'd entered their home with a bag of cash to back up the offer! They will not have to worry that they're wasting their time if you will not have the ability to qualify for a high enough mortgage loan. The seller of the home won't be concerned that he won't be able to trust you to qualify for your loan.Your qualifying for your needed loan amount will not cause them concern. They have a virtual guarantee to trust your ability to back up your offer.

We can help you pre-qualify

Our mortgage professionals can help you find out how much of a loan you can qualify for and the monthly mortgage payment amount you are able to afford by getting you pre-qualified. In the process, we calculate your ability 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.

Face to Face

It is important for you to sit down and talk with us, even though you are welcome to also try the helpful mortgage loan calculators on this site. That way, we'll be able to help you get your pre-qualification letter. Next, we can consider your loan choices to be sure you have selected the best one. We are waiting to hear from you: call us at 2148657442.

Have questions about pre-qualifying? Call us at 2148657442. We answer pre-qualification questions every day.