Why it's Important to Pre-Qualify

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Even if you have not researched houses to view yet, it is advantageous to see your mortgage loan professional first. Why? How can we help you if you have not made your offer, and don't yet know the amount you want to borrow?

Pre-Qualify

When we pre-qualify you, we help you find out the amount in monthly payments you can fit in your budget, and the loan amount you will qualify for. The process outlines your current financial situation - your debt, income, job, and down payment money, among other things. It's short and to the point; We take pride in keeping the paperwork to a minimum.

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

Buying Power

Some advantages open to you after you have found your next house, and have achieved pre-qualification. First, it lets you know how much you are able to offer. Being pre-qualified also will make your offer more attractive to the seller, like you were bringing them a suitcase full of cash! They will not need to be concerned that they're wasting their time if you can't have the ability to qualify for a big enough mortgage loan. The seller of the home won't be concerned that he won't be able to trust you to qualify for your loan.Your qualifying for your needed loan amount won't be something for them to worry about. They have a virtual guarantee to trust your ability to back up your offer.

We can help you pre-qualify

When we pre-qualify you, we help you find out the amount you can afford in monthly payments you can afford, and the loan amount you can qualify for. We will do this by analyzing your income and debts, your work and housing circumstances, your available funds for down payment, required reserves, and some other things. We require a minimum amount of paperwork, with a short, basic process.

One-on-One

It is important for you to sit down and meet with us, even though you are welcome to also utilize the helpful mortgage loan calculators on our website. That way, we will be able to help you get your pre-qualification letter. Then, we will make sure we have the best mortgage program for you. Contact us at 7072522700 to get started.

Have questions about pre-qualifying? Call us at 7072522700. It's our job to answer pre-qualification questions, so we're happy to help!