Why it's Important to Pre-Qualify

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It's helpful to visit with a mortgage professional early, even if you haven't settled on what type of home to look for. What for? When you don't yet know how much home you want to qualify for, how can we help?

We Can Help You Pre-Qualify

We can help determine how much of a mortgage you can afford, and the amount of money you can borrow, by walking you through pre-qualifying. In the process, we calculate your borrowing capacity - looking at your job, available money for down payment, existing debt, income, and other circumstances. It's short and basic; We take pride in keeping the paperwork light.

When you qualify, we give you a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), which documents the fact that we are partnering with you to find the right mortgage loan program to meet your situation and that we are confident you will qualify for a loan for up to a specific amount.

Pre-Qualification Power

A number of advantages open to you when you find your dream house, and have achieved pre-qualification. First of all, you have some definite numbers in mind, as the total you will be able to borrow. More important to the existing home owner, your being pre-qualified is like your having walked into their house with a bag full of cash to make the deal! They will not have to be concerned they have been wasting their time if you do not have the ability 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 cause them concern. They have a virtual guarantee to trust your ability to back up your offer.

We help with your pre-qualification

We will help you calculate how much of a loan you can qualify for and the monthly payment amount you are able to afford by getting you pre-qualified. The process outlines your financial situation - your debt, income, career, cash available for down payment, among other things. We as for a minimum amount of paperwork, and avoid a lengthy process.

One-on-One

While you are able to try our tools to calculate mortgage variables on this site, it's a good idea to meet with us. That way, we'll be able to help you get your pre-qualification letter. Next, we can study your mortgage options and make sure you are in the best one. We're eager to meet with you: contact us at 9722039033.

Have questions about pre-qualifying? Call us at 9722039033. Not Your Average Lender answers pre-qualifying questions every day.