Why Pre-Qualify?

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It's helpful to see a mortgage professional first, even before you've decided the sort of home you hope to find. Why? Perhaps it's difficult to understand the ways we can help even before you start to negotiate.

We Will Help You Pre-Qualify

We can help you see how much of a mortgage you can afford, and the amount of money you may be able to borrow, by taking you through the pre-qualification process. We do this by reviewing your debts and income, your work and housing situations, the available funds for down payment, required reserves, and other financial considerations. We will ask for a minimum amount of paperwork, with a quick process.

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

Power in the Pre-Qual

After you find a house that meets your needs, and you want to make an offer, being pre-qualified for a mortgage will do a couple of things. First of all, you have some definite numbers in mind, as the amount you will qualify for on your mortgage. Of greater importance to the existing home owner, your pre-qualification is like your having walked into their house with a suitcase full of cash ready to purchase the home! They need not wonder if they have been wasting their time if you do not be able to qualify for a big enough mortgage. The seller of the home won't be concerned that he can't trust you to qualify for your loan.Your qualifying for the necessary mortgage loan amount will not be something for them to be concerned about. They have a virtual guarantee that they can trust your buying power.

We will help you with your pre-qualification

We can help you calculate how much of a mortgage you can afford, and the amount of money you can borrow, by walking you through the pre-qualification process. This process walks you through your current financial situation - your debts, income, job, cash available for down payment, among other things. We require a minimum amount of paperwork, with a short, basic process.

Face to Face

While you are able to try our mortgage calculators on this website, it will be essential to sit down and talk with us. For one thing, you will want a Pre-Qualification Letter! Next, we can study your mortgage loan choices to be sure you are in the best one. We are eager to meet with you: contact us at 972-447-5778.

Have questions about pre-qualifying? Call us at 972-447-5778. It's our job to answer pre-qualification questions, so we're happy to help!