Why it's Important to Pre-Qualify

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It's valuable to bring in your mortgage professional as soon as possible — even before you have started to research neighborhoods. Why? What can we do for you before you have negotiated a purchase amount, and don't know yet how much you need to borrow?


When we pre-qualify you, we help you figure out the amount in monthly payments you can fit in your budget, and the loan amount you can qualify for. During the process, we look at your capacity to borrow - analyzing your earning status, available money for down payment, existing debt, income, and other circumstances. We will ask for a minimum amount of paperwork, and avoid a lengthy process.

After you qualify, will present to you what's called a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), that documents the fact that we are helping you to find the right mortgage to meet your needs and that we're confident you'll qualify for a loan for up to a specific amount.

Power in the Pre-Qual

Some advantages open to you when you've found your next house, and have pre-qualification. First, it lets you know how much you are able to offer. Of greater importance to the home seller, your being pre-qualified is like your having walked into their house with a suitcase full of cash to make the deal! They won't need to be concerned that they have been wasting their time if you can't have the ability to qualify for a high enough mortgage. The seller won't worry if he can count on you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed mortgage loan amount won't be something for them to be concerned about. You have the capability to back up your offer.

We will help you pre-qualify

When we pre-qualify you, we help you find out the amount you can afford in monthly mortgage payments you can afford, and the size of loan you will qualify for. The process leads you through your current financial situation - your debts, income, employment, cash available for down payment, among other things. It's quick and to the point; and we take pride in keeping the paperwork to a minimum.


While you are encouraged to benefit from our tools to calculate mortgage variables on our site, it's a good idea to meet with one of our mortgage professional team members. For one thing, you will need a Pre-Qualification Letter! Next, we can consider your mortgage program choices to make sure you have found the best one. Contact us at (408) 626-1879 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at (408) 626-1879. We answer pre-qualification 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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