Why Pre-Qualification is Important

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It is valuable to consult with your mortgage loan professional as soon as possible — even before you've begun narrowing down neighborhoods. What for? What can we do for you before you have made an offer, and don't yet know the amount you need to borrow?


We will help you find out the loan amount you can qualify for and the monthly payment amount you are able to afford by getting you pre-qualified. During the process, we look at your ability to borrow - reviewing your employment, money available for down payment, debts, income, and other areas. We will ask for a minimum amount of paperwork, and avoid a lengthy process.

After you qualify, we present to you what's called a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), which says that we are working with you to find the best mortgage loan program to meet your financial needs and that we're confident you will qualify for a loan for up to a specific amount.

Buying Clout

Once you find a house that meets your needs, and you decide to make an offer, being pre-qualified for a loan will do several things. First, you have some general numbers in mind, as the total you can borrow. Even more important to the current owner, your pre-qualification gives them confidence - as if you'd arrived at their home with a bag of cash to back up the offer! They won't need to worry that they are wasting their time if you do not have the ability to qualify for a high enough mortgage loan. The seller won't worry if he can trust you to qualify for your loan.Your qualifying for the necessary mortgage loan amount will not cause them concern. You can have the influence of a buyer ready to make the purchase on the spot!

We can help you pre-qualify

We can help you calculate how much of a mortgage loan you can afford, and the amount of money you can borrow, by walking you through the pre-qualification process. The process outlines your finances - your debts, income, job, down payment money, among other things. It's a short, thorough process with minimal risks for papercuts.

One on one

It is vital to sit down and talk with us, even though you are welcome to also use the helpful mortgage loan calculator tools on our website. We can work toward your pre-qualification letter. Then, we will make sure we have the right mortgage loan program for your situation. We're eager to meet with you: call us at (407) 889-4321.

Have questions about pre-qualifying? Call us at (407) 889-4321. We answer pre-qualification questions every day.

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