When to Speak to a Mortgage Pro About Pre-Qualification

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It is helpful to see a mortgage loan pro first, even if you haven't decided what sort of home to search for. Why? How can we help you if you have not made an offer, and do not yet know how much you want to borrow?

Pre-Qualify

We will help you see how much of a mortgage you can afford, and how much money you can borrow, by taking you through pre-qualifying. We do this by reviewing your income and debts, your work and residence situations, your funds available for down payment, required reserves, and other financial considerations. We will require a minimum amount of paperwork, and avoid a lengthy process.

When you are determined to be eligible, we document our confidence in your potential to qualify for a mortgage loan by presenting you with a Pre-Qualification Letter (also known as a "pre-qual").

Power in the Pre-Qual

After you locate a house that meets your needs, and you want to make an offer, being pre-qualified for a loan will do a number of things. First, it helps you know how much you're able to offer. Of greater importance to the existing home owner, your pre-qualification is like your having walked into their front door with a bag full of money to make the deal! They won't need to worry that they are wasting their time if you don't have the ability to qualify for a big 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 the necessary loan amount won't be something for them to fret over. You have the capability to back up your offer.

We can help you pre-qualify

We can help determine how much of a mortgage loan you can afford, and how much money you can borrow, by taking you through the pre-qualification process. The process outlines your finances - your debts, income, employment, down payment money, among other things. We as for a minimum amount of paperwork, and avoid a lengthy process.

One on one

It's vital to sit down and meet with us, even though you are free to also utilize the helpful mortgage loan calculator tools on our website. For one thing, you'll need a Pre-Qualification Letter! Then, we can make sure we have the right mortgage program for you. We are waiting to meet with you: contact us at 866-300-1550.

Have questions about pre-qualifying? Call us at 866-300-1550. It's our job to answer pre-qualification questions, so we're happy to help!