Why Pre-Qualify?

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Even if you have not researched homes to visit yet, it is advantageous to contact your mortgage pro early. What for? How can we help if you have not negotiated a purchase amount, and don't know yet how much you need to borrow?

Pre-Qualify

When we pre-qualify you, we help you figure out the amount in monthly payments you can afford, and how much we of a loan you will qualify for. The process outlines your financial situation - your debt, income, job, and cash available for down payment, among other things. We ask for a minimum amount of paperwork, and avoid a lengthy process.

After you qualify, will present to you a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), that says that we are working with you to find the best loan program to meet your financial needs and that we are confident you will qualify for a loan for a specific amount.

Pre-Qual Power

Several advantages open to you once you've found your new house, and have pre-qualification power. First, you have some definite numbers in mind, as the total you will be able to borrow. Even more important to the seller of the home, your pre-qualification gives them confidence - as if you had entered their house with a suitcase of cash to make the offer! They won't have to worry that they have been wasting their time if you don't be able to qualify for a big enough mortgage loan. The seller of the home won't worry if he can count on you to qualify for your loan.Your qualifying for the necessary mortgage loan amount will not be something for them to lose sleep over. They have a virtual guarantee to trust your ability to back up your offer.

We will help you pre-qualify

When we pre-qualify you, we help you determine how much of a monthly payment you can fit in your budget, and how much we of a loan you can qualify for. During this process, we determine your borrowing capacity - looking at your employment, money available for down payment, debts, income, and other circumstances. It's a quick, thorough process with minimal risks for papercuts.

Face to Face

While you are able to use our mortgage calculators on our site, it's essential to meet with one of our mortgage professional team members. We can begin working on your pre-qualification letter. Then, we can make sure we have found the ideal mortgage program for you. Contact us at 5613734149 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at 5613734149. We answer pre-qualification questions every day.