When to Talk to a Mortgage Professional

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It's important to visit with a mortgage professional first, even before you have decided what sort of home to look for. Why? It may be hard to understand the ways we could help even before you begin to negotiate.

We Will Help You Pre-Qualify

When we pre-qualify you, we help you find out how much of a monthly payment you can afford, and the loan amount you can qualify for. We will achieve this by analyzing your income and debts, your employment and residence situations, the funds available for a down payment, required reserves, and some other things. It's short and to the point; We take pride in keeping the paperwork to a minimum.

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

Pre-Qualification Power

After you locate a house that meets your needs, and you want to put together an offer, being pre-qualified for a mortgage will do a couple of things. First, it lets you know the amount that you can offer. Even more important to the seller of the house, your pre-qualification status gives them certainty - as if you'd come to their house with a bag of cash to back up the offer! They will not need to wonder if they are wasting their time if you don't have the ability to qualify for a big enough mortgage. The seller won't be concerned that he can't trust you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary loan amount will not be something for them to worry about. You can have the sway of a buyer ready to make the deal on the spot!

We can help you pre-qualify

We can help you calculate how much of a mortgage loan you can afford, and the amount of money you can borrow, by walking you through pre-qualifying. During the process, we calculate your capacity to borrow - looking at your job, available money for down payment, debt, income, and other circumstances. We require a minimum amount of paperwork, with a quick process.

One-on-One

You can certainly use the mortgage calculators here on this site to get an idea of how much mortgage you can afford - but it's also essential to meet with one of our mortgage professionals. For one thing, you'll want a Pre-Qualification Letter! Next, we can review your loan choices to be sure you have selected the best one. We are eager to meet with you: call 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!