When to Speak to Your Mortgage Professional

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It's helpful to consult with your mortgage professional as soon as possible — even before you have begun narrowing down neighborhoods. What for? When you don't know yet how much house you want to qualify for, how could we help?

We Can Help You Pre-Qualify

We can help you find out how much of a loan you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified. We will accomplish this by analyzing your income and debts, your employment and housing situations, your available funds for a down payment, required reserves, and some other things. It's a quick, thorough process with minimal risks for papercuts.

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

Pre-Qualification Power

Armed with your pre-qualification letter, some advantages fall at your feet at the point you locate the house you want to put together an offer on. First, it lets you know the amount that you're able to offer. More important to the home seller, your being pre-qualified is like your having entered their house with a suitcase full of money to purchase their house! They won't need to wonder if that they have been wasting their time if you can't be able to qualify for a big enough mortgage. 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 the necessary mortgage loan amount will not cause them concern. You have the clout of a buyer ready to make the purchase right now!

We will help you pre-qualify

We can help you see how much of a mortgage loan you can afford, and how much money you will be able to borrow, by taking you through the pre-qualification process. We will accomplish this by analyzing your debts and income, your work and housing situations, your funds available for a down payment, required reserves, and other financial considerations. It is a short, thorough process with minimal risks for papercuts.

Face to Face

While you can benefit from our mortgage calculators on this website, it's a good idea to sit down and talk with us. For one thing, you'll need a Pre-Qualification Letter! For another thing, we could locate a different mortgage loan option that better fits your needs. Contact us at (713) 667-5472 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at (713) 667-5472. We answer pre-qualification questions every day.