Why it's Important to Pre-Qualify

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It is valuable to bring in your mortgage loan professional as soon as possible — even before you've begun researching neighborhoods. Why? If you don't know yet how much home you need to qualify for, how can we help?


When we pre-qualify you, we help you figure out the amount in mortgage payments you can afford, and the loan amount you will qualify for. We can do this by considering your debts and income, your work and residence circumstances, your funds available for down payment, required reserves, and some other things. It's a quick, thorough process with minimal risks for papercuts.

After you qualify, we present to you a Pre-Qualification Letter (your real estate agent may refer to it as a "pre-qual"), that documents the fact that we are helping you to find the best mortgage to fit your needs and that we're confident you will qualify for a loan for up to a certain amount.

Power in the Pre-Qual

Holding your pre-qualification letter, some advantages fall at your feet when you find the home you want to put together an offer on. The first is that you'll know the amount you can afford when determining your offer. Of greater importance to the seller, your being pre-qualified is like your having entered their house with a suitcase full of cash to make the deal! They need not wonder if they're wasting their time if you will not have the ability to qualify for a big enough mortgage. The seller of the home won't be concerned that he can't count on you to qualify for your loan.Your qualifying for the necessary mortgage loan amount won't be something for them to be concerned about. You have the capability to back your offer up.

We help with your pre-qualification

We can help you see how much of a mortgage you can afford, and how much money you can borrow, by taking you through the pre-qualification process. This process outlines your financial situation - your debts, income, career, cash available for down payment, among other things. It is a short, thorough process with minimal risks for papercuts.

One on one

You can certainly use the calculators here on our site to calculate how much mortgage you will be able to afford - but it's also essential to meet with us. That way, we will be able to help you get your pre-qualification letter. For another thing, we might be able to find a different mortgage loan option that is a better fit for you. We are eager to hear from you: contact us at 4086261879.

Have questions about pre-qualifying? Call us at 4086261879. 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.
How can we get in touch with you?
Tell us about your credit history.