Why it's Important to Pre-Qualify

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Even if you haven't so much as picked out houses to visit yet, it's valuable to visit with your mortgage loan professional first. Why? It may be difficult to understand the ways we can help even before you begin to calculate your offer.

We Can Help You Pre-Qualify

We will help you see how much of a mortgage loan you can afford, and the amount of money you can borrow, by taking you through the pre-qualification process. In this process, we look at your capacity to borrow - looking at your employment, money available for down payment, debt, income, and other areas. It is a short, thorough process with minimal risks for papercuts.

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

Buying Power

Several beneifits open to you after you find your new house, and have pre-qualification power. The first is that you will know what you will be able to afford when determining your offer. Of greater importance to the seller, your being pre-qualified is like your having walked into their house with a suitcase full of cash ready to make the deal! They will not need to worry that they have been wasting their time if you don't have the ability to qualify for a high enough mortgage loan. The seller won't be concerned that he won't be able to trust you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary loan amount will not be something for them to fret over. You have the capability to back up your offer.

We can help you pre-qualify

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

Face to Face

While you can benefit from our mortgage calculators on this website, it will be a good idea to sit down and talk with us. For one thing, you will need a Pre-Qualification Letter! Then, we can make sure we have chosen the ideal mortgage loan program for you. Let us help you get 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!