The Importance of Pre-Qualifying

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Even if you haven't picked out homes to visit yet, it's valuable to see your mortgage pro early. What for? It might be difficult to understand the ways in which we can help even before you start to negotiate.

Pre-Qualify

We will help you see how much of a mortgage you can afford, and the amount of money you will be able to borrow, by walking you through the pre-qualification process. In the process, we explore your ability to borrow - reviewing your earning status, money available for down payment, debts, income, and other areas. We will ask for a minimum amount of paperwork, with a short, basic process.

Once you qualify, will give you a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), which states that we are helping you to find the best loan to meet your situation and that we're confident you will qualify for a mortgage loan for up to a certain amount.

Power in the Pre-Qual

When you find a house that is ideal for you, and you decide to put together an offer, being pre-qualified for a mortgage loan will do a couple of things. The first is that you can be sure what you can afford when putting together your offer. More important to the current home owner, your pre-qualification is like your having walked into their house with a suitcase full of cash to make the deal! They won't need to worry that they're wasting their time if you will not have the ability to qualify for a big enough mortgage. The seller 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 sway of a buyer ready to make the deal on the spot!

We will help you with your pre-qualification

When we pre-qualify you, we help you determine how much of a monthly payment you can afford, and the loan amount you will qualify for. In the process, we look at your capacity to borrow - reviewing your earning status, available money for down payment, debts, income, and other areas. It's a short, thorough process with minimal risks for papercuts.

One on one

It is important to sit down and talk with us, even though you are welcome to also utilize the helpful mortgage calculator tools on our website. That way, we will be able to help you get your pre-qualification letter. Next, we can review your loan options and be sure you have found the best one. Let us get you started: Call us at 727-331-4458.

Have questions about pre-qualifying? Call us at 727-331-4458. It's our job to answer pre-qualification questions, so we're happy to help!