The Importance of Pre-Qualifying

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It can be important to visit with a mortgage professional first, even before you've determined what type of house you hope to find. What for? How can we help you before you have made your offer, and don't know yet the amount you need to borrow?

We Will Help You Pre-Qualify

We can help you determine how much of a loan you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified. We achieve this by analyzing your income and debts, your work and housing situations, the available funds for down payment, required reserves, and other financial considerations. We will require a minimum amount of paperwork, with a quick process.

We will give you a Pre-Qualification Letter when you qualify, that documents that we're confident you'll qualify for up to a certain amount of mortgage loan dollars.

Pre-Qualification Power

With your pre-qualification letter, a number of advantages are yours when you find the home you want to put together an offer for. First, it helps you know how much you can offer. Even more important to the seller of the house, your pre-qualification gives them certainty - as if you had entered their home with a suitcase of cash to back up the offer! They need not be concerned 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 worry if he can trust you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary loan amount won't cause them concern. You have the ability to back your offer up.

We will help you with your pre-qualification

We can help you determine how much of a loan you can qualify for and the mortgage payment amount you can afford by helping you pre-qualify. We do this by considering your income and debts, your work and residence circumstances, your funds available for a down payment, required reserves, and other considerations. It's a short, thorough process with minimal risks for papercuts.


You can always use the mortgage calculators on this website to calculate the size mortgage you'll be able to afford - but it's also essential to talk with us. That way, we can help you get your pre-qualification letter. Then, we'll make sure we have found the ideal mortgage program for your situation. We are waiting to meet with you: call us at (408) 626-1879.

Have questions about pre-qualifying? Call us at (408) 626-1879. The Reen Team at American Pacific Mortgage answers pre-qualifying questions every day.

Basic Pre-Approval

Get the Best Mortgage Rate! Tell us a little about your current needs and we can use that information to match you with just the right loan.

Tell us about your loan needs.
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Tell us about your credit history.