The Importance of Pre-Qualifying

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It can be helpful to visit with a mortgage professional early, even before you have decided the sort of home to look for. What for? What can we do for you if you have not made your offer, and don't know yet how much you want to borrow?

Pre-Qualify

When we pre-qualify you, we help you find out the amount in monthly mortgage payments you can afford, and how much we of a loan you will qualify for. In the process, we look at your capacity to borrow - reviewing your employment, available money for down payment, debt, income, and other circumstances. It's a quick, thorough process with minimal risks for papercuts.

When you are determined to be eligible, we prove our confidence in your potential to qualify for a mortgage loan by awarding you a Pre-Qualification Letter (also called a "pre-qual").

Pre-Qual Power

Armed with your pre-qualification letter, a number of advantages are yours once you locate the house you want to put together an offer on. First, it helps you know the amount that you can offer. More important to the current home owner, your pre-qualification is like your having entered their house with a suitcase full of cash to purchase their home! They need not be concerned that they're wasting their time if you don't be able to qualify for a high enough mortgage loan. The seller won't be concerned that he won't be able to trust you to qualify for your loan.Your qualifying for your needed mortgage loan amount will not cause them concern. They have a virtual guarantee to trust your ability to back up your offer.

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. We accomplish this by considering your debts and income, your employment and housing situations, your funds available for down payment, required reserves, and other considerations. It's short and to the point; and we take pride in keeping the paperwork to a minimum.

One-on-One

It's vital for you to sit down and talk with us, even though you are welcome to also utilize the helpful mortgage calculator tools on our site. That way, we will help you get your pre-qualification letter. Then, we will make sure we have the ideal mortgage program for your situation. We are eager to hear from you: call 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!