Why Pre-Qualification is Important

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It is valuable to visit with a mortgage professional first, even before you've decided the kind of home to look for. Why? If you do not know yet how much home you need to qualify for, how could we help?

We Will Help You Pre-Qualify

We will help you see how much of a mortgage you can afford, and how much money you may be able to borrow, by taking you through pre-qualifying. In the process, we calculate your borrowing power - looking at your employment, money available for down payment, debt, income, and other areas. It is a quick, thorough process with minimal risks for papercuts.

Once you are considered eligible, we document our confidence in your potential to qualify for a mortgage loan by awarding you a Pre-Qualification Letter (also called a "pre-qual").

Power in the Pre-Qual

Once you locate a house that is right for you, and you decide to put together an offer, being pre-qualified for a mortgage loan will do several things. The first is that you can know what you can afford when determining the offer. Even more important to the present owner, your pre-qualification letter gives them confidence - as if you had entered their home with a suitcase of cash to make the offer! They won't need to worry that that they are wasting their time if you will not be able to qualify for a high enough mortgage. The seller won't wonder if he can trust 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 to trust your buying power.

We can help you pre-qualify

When we pre-qualify you, we help you decide the amount you can afford in mortgage payments you can fit in your budget, and how much we of a loan you will qualify for. We will do this by considering your debts and income, your employment and housing circumstances, your funds available for a down payment, required reserves, and other considerations. It's a quick, thorough process with minimal risks for papercuts.

Face to Face

While you are encouraged to benefit from our mortgage calculators on our site, it's essential to sit down and talk with us. That way, we'll be able to help you get your pre-qualification letter. Next, we can study your mortgage choices to make sure you are in the best one. Contact us at 5613734149 to get started.

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