Why Pre-Qualification is Important

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It is important to bring in your mortgage loan professional as soon as possible — even before you have started to research neighborhoods. What for? How can we help you before you have made your offer, and do not yet know how much you need to borrow?

We Can Help You Pre-Qualify

We can help you determine the loan amount you can qualify for and the monthly payment amount you can afford by helping you pre-qualify. In this process, we determine your borrowing power - analyzing your job, available money for down payment, existing debt, income, and other circumstances. It's short and to the point; We keep the paperwork light.

After you qualify, will give you what's called a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), which says that we are helping you to find the right loan program to fit your financial needs and that we are confident you will qualify for a mortgage loan for a certain amount.

Power in the Pre-Qual

When you find the house that catches your eye, and you want to put together an offer, being pre-qualified for a mortgage loan will do several things. First, it helps you know the amount that you are able to offer. Your pre-qualification will also make your offer more attractive to the seller, as if you were bringing them a big box of cash! They won't have to wonder if that they have been wasting their time if you will not be able to qualify for a high enough mortgage loan. The seller won't worry if he can trust you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary loan amount will not be something for them to fret over. They have a virtual guarantee to trust your buying power.

We will help you pre-qualify

We can help determine how much of a mortgage you can afford, and how much money you may be able to borrow, by walking you through the pre-qualification process. During this process, we determine your capacity to borrow - looking at your job, money available for down payment, debt, income, and other areas. It's quick and to the point; and we take pride in keeping the paperwork to a minimum.

One-on-One

You can certainly use the mortgage calculators on our site to get an idea of how much mortgage you'll be able to afford - but it's also valuable to meet with one of our mortgage professionals. For one thing, you will need a Pre-Qualification Letter! Then, we'll make sure we have the best mortgage program for you. Contact us at 9722039033 to get started.

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