Why it's Important to Pre-Qualify

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It is important to consult your mortgage professional as soon as possible — even before you have started to consider neighborhoods. What for? Maybe it is difficult to fathom the ways in which we can help even before you start to negotiate.

We Will Help You Pre-Qualify

When we pre-qualify you, we help you determine how much of a monthly payment you can fit in your budget, and the loan amount you will qualify for. We achieve this by considering your debts and income, your work and housing situations, the available funds for down payment, required reserves, and some other things. It's a quick, thorough process with minimal risks for papercuts.

When you qualify, we present to you what's called a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), that states that we are helping you to find the best mortgage loan program to meet your financial needs and that we're confident you will qualify for a mortgage for up to a specific amount.

Buying Clout

A number of beneifits open to you after you have found your next house, and have achieved pre-qualification. First, it helps you know how much you're able to offer. Your pre-qualification also will make your offer look even better to the seller, like you were bringing them a big box of cash! They will not have to be concerned that they have been wasting their time if you will not have the ability to qualify for a high enough mortgage loan. The seller of the home won't be concerned that he won't be able to trust you to qualify for your mortgage in the amount you will need.Your qualifying for your needed loan amount won't cause them concern. You can have the sway of a buyer ready to make the purchase right now!

We will help you with your pre-qualification

We can help you calculate 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 ability to borrow - analyzing your employment, available money for down payment, debts, income, and other circumstances. It's quick and basic; and we take pride in keeping the paperwork light.


You can certainly use the mortgage calculators here on our site to calculate how much mortgage you can afford - but it's also valuable to talk with one of our mortgage professionals. We can work toward your pre-qualification letter. For another thing, we may be able to find a different mortgage program that better fits your needs. We're eager to hear from you: contact us at (941) 366-5800.

Have questions about pre-qualifying? Call us at (941) 366-5800. It's our job to answer pre-qualification questions, so we're happy to help!

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