Why Pre-Qualification is Important

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It is important to visit with a mortgage loan pro early, even if you haven't settled on what sort of home you hope to find. Why? It might be difficult to understand the ways we could help even before you start to calculate your offer.


When we pre-qualify you, we help you decide the amount in monthly payments you can fit in your budget, and the loan amount you can qualify for. We do this by considering your debts and income, your work and housing situations, the funds available for a down payment, required reserves, and some other things. It's quick and basic; We keep the paperwork light.

We will give you a Pre-Qualification Letter once you qualify, which states that we are confident you can qualify for up to a certain amount of mortgage loan dollars.

Pre-Qual Power

Armed with your pre-qualification letter, several advantages are yours when you locate 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 big box of cash! They will not have to worry that they have been wasting their time if you won't be able to have the ability to qualify for a high enough mortgage loan. The seller of the home won't be concerned that he won't be able to trust you to qualify for your loan.Your qualifying for your needed loan amount won't cause them concern. You have the sway of a buyer ready to make the purchase right now!

We help with your pre-qualification

Our mortgage professionals can help you determine how much of a loan you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. In this process, we determine your borrowing power - looking at your employment, available money for down payment, debts, income, and other circumstances. We require a minimum amount of paperwork, with a quick process.


It is vital for you to sit down and meet with us, even though you are free to also use the helpful mortgage loan calculator tools on this site. That way, we can help you get your pre-qualification letter. Next, we can study your mortgage loan options to be sure you have found the right one. We are waiting to hear from you: call us at (800) 974-0509.

Have questions about pre-qualifying? Call us at (800) 974-0509. It's our job to answer pre-qualification questions, so we're happy to help!