The Importance of Pre-Qualifying

	Searching for a mortgage loan? We can help! Call us at . Ready to begin? Apply Now.

It is valuable to see a mortgage professional early, even if you haven't settled on what sort of home you hope to find. Why? It might be difficult to fathom the ways in which we can help even before you begin to calculate your offer.

We Will Help You Pre-Qualify

When we pre-qualify you, we help you decide how much of a monthly payment you can afford, and the size of loan you will qualify for. We will do this by reviewing your income and debts, your employment and housing circumstances, your available funds for down payment, required reserves, and some other things. We will ask for a minimum amount of paperwork, with a short,basic process.

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

Power in the Pre-Qual

Some advantages open to you once you've found your next house, and have achieved pre-qualification power. First, it helps you know the amount that you're able to offer. Even more important to the current owner, your pre-qualification letter gives them certainty - as if you had come to their house with a suitcase of cash to make the offer! They won't have to be concerned that they're wasting their time if you can't have the ability to qualify for a high enough mortgage loan. The seller won't worry if he can trust you to qualify for your loan.Your qualifying for your needed loan amount will not cause them concern. You have the influence of a buyer ready to make the purchase right now!

We will help you pre-qualify

We can help determine how much of a mortgage loan you can afford, and how much money you can borrow, by taking you through pre-qualifying. In the process, we determine your ability to borrow - looking at your job, available money for down payment, existing debt, income, and other areas. It is a quick, thorough process with minimal risks for papercuts.

One on one

You can always use the mortgage calculators available on this site to calculate how much mortgage you'll be able to afford - but it's also valuable to meet with one of our mortgage professionals. For one thing, you'll need a Pre-Qualification Letter! Then, we will make sure we have the best mortgage program for your situation. Let us get you started: Contact us at .

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