Why Pre-Qualification is Important

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It can be helpful to see a mortgage professional first, even if you haven't settled on the sort of house to look for. Why? If you don't yet know how much home you want to qualify for, what could we do for you?

We Will Help You Pre-Qualify

We will help determine how much of a mortgage you can afford, and how much money you can borrow, by walking you through pre-qualifying. During the process, we determine your borrowing potential - looking at your job, money available for down payment, debt, income, and other circumstances. It's short and to the point; We take pride in keeping the paperwork light.

Once you are considered eligible, we will prove our confidence in your ability to qualify for a loan by awarding you a Pre-Qualification Letter (also called a "pre-qual").

Power in the Pre-Qual

Various beneifits open to you after you find your dream house, and have pre-qualification. The first is that you will be sure what you can afford when calculating the offer. More important to the current home owner, your pre-qualification is like your having walked into their front door with a bag full of money ready to make the deal! They won't need to worry that they're wasting their time if you don't be able to qualify for a big enough mortgage loan. The seller of the home won't be concerned that he can't trust you to qualify for your loan.Your qualifying for your needed loan amount won't be something for them to be concerned about. You have the ability to back your offer up.

We can help you pre-qualify

When we pre-qualify you, we help you figure out how much of a monthly payment you can fit in your budget, and the loan amount you will qualify for. During the process, we look at your borrowing capacity - reviewing your earning status, money available for down payment, debt, income, and other areas. We will require a minimum amount of paperwork, with a quick process.

One-on-One

You can always use the mortgage calculators here on this site to calculate the size mortgage you can afford - but it's also valuable to meet with one of our mortgage professionals. For one thing, you will need a Pre-Qualification Letter! For another thing, we might locate a different mortgage loan option that is a better fit for you. Contact us at 754-202-4376 to get started.

Have questions about pre-qualifying? Call us at 754-202-4376. It's our job to answer pre-qualification questions, so we're happy to help!