Why it's Important to Pre-Qualify

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Even if you haven't so much as researched houses to view yet, it's advantageous to see your mortgage loan professional first. What for? If you do not yet know how much home you want to qualify for, how can we help?

Pre-Qualify

We will help you see how much of a mortgage loan you can afford, and how much money you can borrow, by taking you through the pre-qualification process. This process walks you through your finances - your debt, income, employment, and down payment money, among other things. It is a quick, thorough process with minimal risks for papercuts.

After you qualify, we give you a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), that states that we are working with you to find the best mortgage loan to meet your financial needs and that we're confident you will qualify for a loan up to a certain amount.

Pre-Qualification Power

Various advantages open to you once you find your new house, and have achieved pre-qualification power. First, it lets you know the amount that you can offer. Of greater importance to the current home owner, your pre-qualification is like your having walked into their house with a bag full of cash to make the deal! They need not wonder if they're wasting their time if you don't have the ability to qualify for a high enough mortgage loan. The seller of the home won't worry if he can count on you to qualify for your loan.Your qualifying for your needed mortgage loan amount will not be something for them to worry about. You can have the clout of a buyer ready to make the purchase right now!

We will help you pre-qualify

When we pre-qualify you, we help you find out how much of a monthly mortgage payment you can afford, and the size of loan you can qualify for. In this process, we determine your borrowing potential - looking at your job, money available for down payment, debt, income, and other circumstances. It's short and basic; and we keep the paperwork light.

One on one

You can always use the calculators on this website to calculate the size mortgage you'll be able to afford - but it's also essential to meet with one of our mortgage professionals. For one thing, you'll want a Pre-Qualification Letter! Then, we'll make sure we have the best mortgage program for your situation. Let us get you started: Contact us at (713) 667-5472.

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