The Importance of Pre-Qualification

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It can be valuable to see a mortgage loan pro early, even if you haven't decided the kind of home you hope to find. What for? If you don't yet know how much house you need to qualify for, how can we help?

We Will Help You Pre-Qualify

We can help determine how much of a mortgage you can afford, and how much money you will be able to borrow, by walking you through pre-qualifying. The process outlines your finances - your debts, income, career, and cash available for down payment, among other things. It is a short, thorough process with minimal risks for papercuts.

Once you are considered eligible, we document our confidence in your ability to qualify for a loan by presenting you with a Pre-Qualification Letter (also called a "pre-qual").

Buying Power

When you locate the house that catches your eye, and you decide to make an offer, being pre-qualified for a mortgage loan will do several things. The first is that you will know the amount you'll be able to afford when determining the offer. Even more important to the seller of the house, your pre-qualification status gives them certainty - as if you had come to their home with a suitcase of cash to make the offer! They will not need to worry that they're wasting their time if you don't have the ability to qualify for a high enough mortgage loan. The seller won't worry if he can count on you to qualify for your loan.Your qualifying for the necessary mortgage loan amount won't be something for them to lose sleep over. You have the ability to back up your offer.

We can help you pre-qualify

When we pre-qualify you, we help you determine how much of a monthly payment you can afford, and the loan amount you can qualify for. This process walks you through your financial situation - your debt, income, employment, cash available for down payment, among other things. It's quick and to the point; and we take pride in keeping the paperwork light.

One-on-One

It is important for you to sit down and talk with us, even though you are welcome to also use the helpful mortgage loan calculators on this website. For one thing, you'll want a Pre-Qualification Letter! For another thing, we could locate a different mortgage choice that fits your needs better. Let us get you started: 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!