Why Pre-Qualification is Important

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It's helpful to visit with a mortgage professional early, even if you haven't settled on the kind of house you hope to find. What for? When you don't yet know how much house you need to qualify for, what could we do for you?

Pre-Qualify

We will help you determine the loan amount you can qualify for and the monthly payment amount you can afford by helping you pre-qualify. In the process, we look at your capacity to borrow - reviewing your employment, money available for down payment, existing debt, income, and other circumstances. We will ask for a minimum amount of paperwork, and avoid a lengthy process.

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

Power in the Pre-Qual

Holding your pre-qualification letter, some advantages are yours when you locate the house you want to make an offer on. First, it lets you know how much you're able to offer. More important to the current home owner, your being pre-qualified is like your having walked into their house with a suitcase full of money ready to make the deal! They will not need to worry that they are wasting their time if you do not have the ability to qualify for a big enough mortgage. The seller of the home won't be concerned that he can't trust you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed mortgage loan amount won't be something for them to worry about. They have a virtual guarantee to trust your buying power.

We will help you with your pre-qualification

We can help you determine the loan amount you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. In the process, we look at your ability to borrow - reviewing your job, money available for down payment, existing debt, income, and other circumstances. We will ask for a minimum amount of paperwork, with a short, basic process.

One-on-One

While you can use our tools to calculate mortgage variables on our website, it will be a good idea to sit down and talk with one of our mortgage professional team members. We can work toward your pre-qualification letter. Next, we can consider your mortgage program choices and be sure you have found the right one. Contact us at to get your pre-qualification process started.

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