Why Pre-Qualify?

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It's important to consult with your mortgage professional early — even before you have begun narrowing down neighborhoods. What for? When you don't know yet how much home you want to qualify for, how could we help?

Pre-Qualify

We can help you calculate how much of a loan you can qualify for and the mortgage payment amount you can afford by getting you pre-qualified. In the process, we explore your capacity to borrow - reviewing your earning status, available money for down payment, debts, income, and other areas. It is a quick, thorough process with minimal risks for papercuts.

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

Power in the Pre-Qual

Holding your pre-qualification letter, several advantages are yours when you locate the home you want to make an offer on. First of all, you have some definite numbers in mind, as the total you will be able to borrow. Having pre-qualification can also make your offer more attractive to the home seller, like you were bringing them a bag full of cash! They will not need to be concerned that they're wasting their time if you don't be able to qualify for a high enough mortgage loan. The seller of the home won't be concerned that he won't be able to count on you to qualify for your loan.Your qualifying for your needed loan amount won't cause them concern. You have the capability to back your offer up.

We will help you with your pre-qualification

We will help determine how much of a mortgage you can afford, and how much money you may be able to borrow, by walking you through the pre-qualification process. The process outlines your current financial situation - your debt, income, employment, down payment money, among other things. We require a minimum amount of paperwork, and avoid a lengthy process.

Face to Face

You can certainly use the mortgage calculators on this site to get an idea of how much mortgage you'll be able to afford - but it's also important to meet with us. For one thing, you will need a Pre-Qualification Letter! Next, we can review your mortgage program choices to 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!