Why it's Important to Pre-Qualify

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It can be important to visit with a mortgage loan pro early, even if you haven't settled on what type of house you hope to find. What for? What can we do for you if you have not negotiated an amount, and do not know yet how much you need to borrow?

We Can Help You Pre-Qualify

We will help you calculate how much of a mortgage you can afford, and the amount of money you may be able to borrow, by walking you through the pre-qualification process. This process leads you through your current financial situation - your debts, income, career, and cash available for down payment, among other things. We require a minimum amount of paperwork, and avoid a lengthy process.

Once you qualify, we give you a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), which says that we are helping you to find the best loan program to fit your situation and that we are confident you will qualify for a mortgage loan up to a specific amount.

Buying Power

With your pre-qualification letter, a number of advantages fall at your feet at the point you find the house you want to make an offer on. The first is that you'll be sure what you'll be able to afford when calculating the offer. Even more important to the seller of the home, your pre-qualification gives them certainty - as if you had entered their home with a big box of cash to make the offer! They won't need to worry 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 be concerned that he can't trust you to qualify for your loan.Your qualifying for the necessary mortgage loan amount won't cause them concern. You have the capability to back your offer up.

We will help you with your pre-qualification

We can help you find out how much of a loan you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified. The process takes you through your finances - your debt, income, employment, cash available for down payment, among other things. It's quick and to the point; and we keep the paperwork to a minimum.

Face to Face

It is vital for you to sit down and meet with us, even though you are free to also try the helpful mortgage calculators on our site. That way, we will help you get your pre-qualification letter. For another thing, we might find a different mortgage loan option that is a better fit for you. We're eager to meet with you: call us at (407) 889-4321.

Have questions about pre-qualifying? Call us at (407) 889-4321. It's our job to answer pre-qualification questions, so we're happy to help!

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