Why Pre-Qualification is Important

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It's important to see a mortgage professional first, even before you've determined what sort of house you hope to find. Why? What can we do for you if you have not made your offer, and don't yet know how much you want to borrow?

We Will Help You Pre-Qualify

When we pre-qualify you, we help you find out the amount in mortgage payments you can afford, and how much we of a loan you can qualify for. In the process, we calculate your borrowing capacity - reviewing your earning status, money available for down payment, existing debt, income, and other circumstances. It's a short, thorough process with minimal risks for papercuts.

After you qualify, we present to you a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), that documents the fact that we are working with you to find the ideal mortgage loan program to fit your situation and that we're confident you will qualify for a mortgage loan for up to a specific amount.

Power in the Pre-Qual

Holding your pre-qualification letter, a number of advantages fall at your feet when you find the house you want to make an offer on. First of all, you have some general numbers in mind, as the amount you can borrow. Your pre-qualification can also make your offer more attractive to the home seller, as if you were bringing them a suitcase of cash! They will not have to be concerned they have been wasting their time if you don't be able to qualify for a high 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 will need.Your qualifying for your needed loan amount will not be something for them to lose sleep over. They have a virtual guarantee that they can trust your buying power.

We will help you pre-qualify

We can help you calculate how much of a mortgage you can afford, and the amount of money you will be able to borrow, by walking you through the pre-qualification process. During the process, we look at your ability to borrow - analyzing your employment, available money for down payment, existing debt, income, and other circumstances. It's short and to the point; and we take pride in keeping the paperwork to a minimum.

Face to Face

You can always use the calculators here on our site to calculate how much mortgage you can afford - but it's also valuable to meet with one of our mortgage professionals. We can walk you through your pre-qualification letter. Next, we can study your mortgage choices to be sure you have chosen the right one. We are waiting to meet with you: call us at 7068605514.

Have questions about pre-qualifying? Call us at 7068605514. We answer pre-qualification questions every day.