When to Speak to Your Mortgage Pro

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It is helpful to visit with a mortgage professional early, even if you haven't settled on the sort of home you hope to find. Why? How can we help if you haven't made an offer, and don't know yet the amount you need to borrow?

We Will Help You Pre-Qualify

Our mortgage professionals can help you determine the loan amount you can qualify for and the monthly mortgage payment amount you are able to afford by helping you pre-qualify. The process outlines your finances - your debt, income, job, and cash available for down payment, among other things. We will ask for a minimum amount of paperwork, with a quick process.

We'll award you a Pre-Qualification Letter when you qualify, that documents that we are confident you'll qualify for up to a specific amount of mortgage dollars.

Buying Clout

After you locate a house that is right for you, and you decide to make an offer, being pre-qualified for a loan will do a number of things. First, it lets you know how much you are able to offer. More important to the existing home owner, your pre-qualification is like your having entered their house with a suitcase full of money to purchase the home! They need not be concerned that they have been wasting their time if you do not be able to qualify for a big enough mortgage. The seller of the home won't wonder if he can trust you to qualify for your loan.Your qualifying for the necessary loan amount will not be something for them to worry about. You have the clout of a buyer ready to make the deal on the spot!

We can help you pre-qualify

We will help you see how much of a mortgage you can afford, and how much money you can borrow, by walking you through the pre-qualification process. In the process, we determine your borrowing capacity - analyzing your employment, available money for down payment, debt, income, and other areas. It's a short, thorough process with minimal risks for papercuts.

Face to Face

You can always use the mortgage calculators available on this site to get an idea of how much mortgage you can afford - but it's also valuable to talk with us. That way, we'll be able to help you get your pre-qualification letter. For another thing, we could locate a different mortgage option that fits your situation better. We're waiting to hear from you: call us at .

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