The Importance of Pre-Qualifying

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It is important to bring in your mortgage professional as soon as possible — even before you've started to research neighborhoods. Why? It might be difficult to understand the way we could help even before you begin to calculate your offer.

We Can Help You Pre-Qualify

When we pre-qualify you, we help you figure out the amount in monthly mortgage payments you can afford, and the size of loan you can qualify for. We achieve this by reviewing your income and debts, your work and housing circumstances, the funds available for down payment, required reserves, and other considerations. It's a quick, thorough process with minimal risks for papercuts.

At the point you are considered eligible, we document our confidence in your capacity to qualify for a mortgage loan by presenting you with a Pre-Qualification Letter (also known as a "pre-qual").

Buying Clout

Once you locate a house that meets your needs, and you want to put together an offer, being pre-qualified for a mortgage loan will do a couple of things. First, it helps you know how much you're able to offer. Even more important to the seller, your pre-qualification gives them certainty - as if you'd arrived at their house with a bag of cash to make the offer! They won't need to wonder if that they are wasting their time if you can't have the ability to qualify for a high enough mortgage loan. The seller of the home won't worry if he can count on you to qualify for your loan.Your qualifying for your needed loan amount won't be something for them to worry about. You can have the sway of a buyer ready to make the purchase right now!

We can help you pre-qualify

When we pre-qualify you, we help you decide how much of a monthly mortgage payment you can fit in your budget, and how much we of a loan you can qualify for. This process leads you through your finances - your debt, income, job, cash available for down payment, among other things. We will require a minimum amount of paperwork, with a quick process.

One-on-One

You can certainly use the mortgage calculators on our website to calculate how much mortgage you'll be able to afford - but it's also valuable to talk with us. That way, we'll be able to help you get your pre-qualification letter. Then, we can make sure we have the right mortgage loan program for your situation. Contact us at 2603382561 to get started.

Have questions about pre-qualifying? Call us at 2603382561. We answer pre-qualification questions every day.