Why Pre-Qualify?

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It is helpful to consult your mortgage loan professional as soon as possible — even before you've started to research neighborhoods. What for? Maybe it's difficult to fathom the ways in which we can help even before you start to calculate your offer.

Pre-Qualify

We will help determine how much of a mortgage loan you can afford, and how much money you can borrow, by walking you through the pre-qualification process. We accomplish this by analyzing your debts and income, your employment and housing situations, the funds available for a down payment, required reserves, and some other things. It's short and basic; We keep the paperwork light.

When you qualify, we give you what's called a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), that states that we are helping you to find the right mortgage loan to meet your needs and that we are confident you'll qualify for a loan for a certain amount.

Pre-Qualification Power

Holding your pre-qualification letter, a number of advantages are yours once you find the home you want to put together an offer for. First, it helps you know how much you are able to offer. Even more important to the seller, your pre-qualification letter gives them certainty - as if you'd entered their home with a big box of cash to make the offer! They won't need to wonder if that they have been wasting their time if you will not be able to qualify for a high enough mortgage loan. The seller won't be concerned that he can't trust you to qualify for your loan.Your qualifying for your needed mortgage loan amount will not cause them concern. They have a virtual guarantee that they can trust your buying power.

We will help you with your pre-qualification

We will help you see how much of a mortgage loan you can afford, and how much money you can borrow, by walking you through the pre-qualification process. This process outlines your current financial situation - your debts, income, employment, down payment money, among other things. It's quick and basic; and we take pride in keeping the paperwork light.

One on one

You can always use the mortgage calculators available on our site to get an idea of how much mortgage you can afford - but it's also valuable to meet with one of our mortgage professionals. We can begin working on your pre-qualification letter. For another thing, we may locate a different mortgage program that is a better fit for you. We are eager to meet with you: contact us at 2603382561.

Have questions about pre-qualifying? Call us at 2603382561. It's our job to answer pre-qualification questions, so we're happy to help!