The Importance of Pre-Qualifying

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It is valuable to see a mortgage professional early, even before you've decided the sort of house to look for. Why? Perhaps it's difficult to fathom how we could help even before you begin to negotiate.


Our mortgage professionals will help you find out the loan amount you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. During this process, we explore your borrowing capacity - reviewing your job, available money for down payment, existing debt, income, and other circumstances. It's short and basic; We keep the paperwork to a minimum.

When you qualify, we give you a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), which says that we are working with you to find the ideal mortgage loan to fit your situation and that we're confident you will qualify for a loan for a specific amount.

Power in the Pre-Qual

Armed with your pre-qualification letter, some advantages fall at your feet once you find the home you want to put together an offer for. First, you have some general numbers in mind, as the total you will qualify for on your mortgage. More important to the existing home owner, your pre-qualification is like your having entered their house with a bag full of cash ready to make the deal! They need not be concerned that they're wasting their time if you will not have the ability to qualify for a high enough mortgage. The seller won't be concerned that he won't be able to trust you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary loan amount won't be something for them to fret over. They have a virtual guarantee to trust your ability to back up your offer.

We can help you pre-qualify

We will help you calculate how much of a mortgage you can afford, and the amount of money you will be able to borrow, by walking you through pre-qualifying. We do this by analyzing your income and debts, your work and residence situations, your funds available for a down payment, required reserves, and some other things. It's short and basic; and we keep the paperwork light.

Face to Face

You can always use the mortgage calculators here on our site to get an idea of how much mortgage you will be able to afford - but it's also essential to talk with us. We can work toward your pre-qualification letter. Then, we can make sure we have chosen the ideal mortgage program for you. Let us help you get started: Call us at 9044664155.

Have questions about pre-qualifying? Call us at 9044664155. It's our job to answer pre-qualification questions, so we're happy to help!