Why it's Important to Pre-Qualify

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It's valuable to consult your mortgage professional early — even before you've begun researching neighborhoods. Why? When you do not know yet how much house you want to qualify for, how can we help?

We Can Help You Pre-Qualify

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 pre-qualifying. The process leads you through your finances - your debts, income, employment, and down payment money, among other things. It's a short, thorough process with minimal risks for papercuts.

When you qualify, we present to you a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), that says that we are partnering with you to find the ideal mortgage loan program to fit your financial needs and that we are confident you will qualify for a loan for a certain amount.

Buying Clout

When you locate the house that meets your needs, and you want to put together an offer, being pre-qualified for a loan will do a number of things. First, you have some concrete numbers in mind, as the amount you will qualify for on your mortgage loan. More important to the home seller, your pre-qualification is like your having walked into their house with a bag full of money to make the deal! They won't need to be concerned they are 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 count on you to qualify for your loan.Your qualifying for your needed loan amount won't cause them concern. You have the capability to back up your offer.

We help with your pre-qualification

We can help you see how much of a mortgage loan you can afford, and the amount of money you may be able to borrow, by taking you through the pre-qualification process. In the process, we calculate your capacity to borrow - looking at your job, money available for down payment, debts, income, and other circumstances. It's a quick, thorough process with minimal risks for papercuts.

One on one

It's vital to sit down and meet with us, even though you are welcome to also try the helpful mortgage loan calculators on this website. That way, we'll be able to help you get your pre-qualification letter. Then, we will make sure we have selected the ideal mortgage loan program for your situation. Contact us at (713) 667-5472 to get started.

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