Why it's Important to Pre-Qualify

It is helpful to consult your mortgage professional early — even before you have started to research neighborhoods. What for? Perhaps it's hard to understand the way we could help even before you begin to negotiate.

We Will Help You Pre-Qualify

When we pre-qualify you, we help you figure out how much of a monthly mortgage payment you can fit in your budget, and how much we of a loan you will qualify for. In the process, we determine your borrowing capacity - analyzing your earning status, available money for down payment, debt, income, and other areas. It's quick and to the point; We take pride in keeping the paperwork light.

We'll award you a Pre-Qualification Letter if you qualify, which says that we're confident you'll qualify for up to a predetermined amount of mortgage dollars.

Buying Power

Some benefits open to you when you've found your next house, and have achieved pre-qualification power. The first is that you'll be sure the amount you will be able to afford when calculating your offer. Even more important to the seller, your pre-qualification status gives them certainty - as if you had entered their home with a suitcase of cash to make the offer! They won't need to worry that they are wasting their time if you will not be able to qualify for a big enough mortgage loan. The seller of the home won't worry if he can count on you to qualify for your loan.Your qualifying for your needed loan amount will not cause them concern. 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 the amount you can afford in monthly mortgage payments you can afford, and the loan amount you will qualify for. The process takes you through your finances - your debts, income, career, cash available for down payment, among other things. It's a quick, thorough process with minimal risks for papercuts.

Face to Face

While you are encouraged to use our mortgage calculators on our website, it is essential to meet with us. For one thing, you'll want a Pre-Qualification Letter! For another thing, we might locate a different mortgage program that better fits your needs. We are waiting to meet with you: contact us at (808) 264-3715.