Why it's Important to Pre-Qualify

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It's important to bring in your mortgage professional as soon as possible — even before you've started researching neighborhoods. What for? What can we do for you if you have not made an offer, and do not yet know how much you need to borrow?

Pre-Qualify

When we pre-qualify you, we help you determine the amount in monthly payments you can fit in your budget, and how much we of a loan you can qualify for. The process outlines your current financial situation - your debts, income, career, and cash available for down payment, among other things. It's quick and basic; We take pride in keeping the paperwork light.

Once you are considered eligible, we will prove our confidence in your potential to qualify for a mortgage loan by giving you a Pre-Qualification Letter (also known as a "pre-qual").

Buying Power

After you locate a house that is right for you, and you want to make an offer, being pre-qualified for a mortgage will do a couple of things. First, you have some concrete numbers in mind, as the amount you will qualify for on your mortgage loan. Even more important to the current owner, your pre-qualification letter gives them confidence - as if you'd entered their house with a big box of cash to back up the offer! They won't need to be concerned that they have been wasting their time if you will not be able to qualify for a high enough mortgage. The seller of the home won't worry if he can trust you to qualify for your mortgage in the amount you will need.Your qualifying for your needed mortgage loan amount will not be something for them to be concerned about. You have the capability to back your offer up.

We will help you pre-qualify

Our mortgage professionals will 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. In this process, we look at your borrowing power - analyzing your employment, available money for down payment, debt, income, and other areas. It is a short, thorough process with minimal risks for papercuts.

One on one

While you are encouraged to try our mortgage calculators on our website, it will be a good idea to meet with one of our mortgage professional team members. That way, we'll be able to help you get your pre-qualification letter. Next, we can review your mortgage loan choices to be sure you are in the best one. Let us get you started: Call us at 9518404188.

Have questions about pre-qualifying? Call us at 9518404188. We answer pre-qualification questions every day.