The Importance of Pre-Qualifying

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It's important to visit with a mortgage professional first, even before you have determined the kind of home you hope to find. Why? How can we help if you haven't negotiated a purchase amount, and don't know yet how much you need to borrow?

We Can Help You Pre-Qualify

When we pre-qualify you, we help you decide the amount in monthly payments you can afford, and the loan amount you will qualify for. This process leads you through your current financial situation - your debts, income, job, and cash available for down payment, among other things. It's quick and to the point; We take pride in keeping the paperwork light.

Once you are considered eligible, we prove our confidence in your capacity to qualify for a mortgage by giving you a Pre-Qualification Letter (also known as a "pre-qual").

Power in the Pre-Qual

Some beneifits open to you when you've found your dream house, and have pre-qualification. First of all, you have some definite numbers in mind, as the amount you will qualify for with your mortgage loan. Your pre-qualification also will make your offer more attractive to the seller, as if you were bringing them a bag full of cash! They won't need to be concerned that they have been wasting their time if you don't be able to qualify for a big enough mortgage. The seller of the home won't be concerned that he won't be able to count on you to qualify for your mortgage in the amount you will need.Your qualifying for your needed mortgage loan amount will not be something for them to be concerned about. They have a virtual guarantee that they can trust your buying power.

We will help you pre-qualify

We will help you determine how much of a loan you can qualify for and the mortgage payment amount you can afford by getting you pre-qualified. We do this by considering your debts and income, your work and residence circumstances, the funds available for a down payment, required reserves, and other considerations. It's quick and to the point; and we take pride in keeping the paperwork to a minimum.

Face to Face

It is vital for you to sit down and meet with us, even though you are free to also utilize the helpful mortgage loan calculators on this site. That way, we can help you get your pre-qualification letter. Next, we can review your mortgage loan options to be sure you have selected the best one. Let us help you get started: Call us at 7202537070.

Have questions about pre-qualifying? Call us at 7202537070. It's our job to answer pre-qualification questions, so we're happy to help!