The Importance of Pre-Qualifying

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Even if you haven't narrowed down homes to view yet, it can be valuable to contact your mortgage professional early. Why? If you do not know yet how much house you want to qualify for, how can we help?

We Can Help You Pre-Qualify

When we pre-qualify you, we help you decide how much of a monthly mortgage payment you can fit in your budget, and how much we of a loan you can qualify for. During this process, we determine your borrowing capacity - reviewing your job, available money for down payment, debts, income, and other areas. It's short and to the point; We take pride in keeping the paperwork to a minimum.

After you qualify, we give you a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), which documents the fact that we are helping you to find the ideal loan to fit your situation and that we're confident you will qualify for a loan up to a specific amount.

Power in the Pre-Qual

Various beneifits open to you after you've found your dream house, and have pre-qualification power. First, you have some definite numbers in mind, as the amount you will qualify for with your loan. Even more important to the present owner, your pre-qualification letter gives them certainty - as if you'd come to their house with a big box of cash to back up the offer! They need not wonder if they're wasting their time if you don't have the ability to qualify for a big enough mortgage loan. The seller won't be concerned that he can't trust you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed loan amount will not cause them concern. You have the sway of a buyer ready to make the purchase on the spot!

We help with your pre-qualification

We will help you determine the loan amount you can qualify for and the monthly payment amount you are able to afford by helping you pre-qualify. In this process, we look at your borrowing potential - reviewing your employment, available money for down payment, debt, income, and other areas. We will require a minimum amount of paperwork, and avoid a lengthy process.

One-on-One

You can certainly use the calculators available on this site to get an idea of how much mortgage you can afford - but it's also valuable to talk with us. We can walk you through your pre-qualification letter. Then, we will make sure we have found the ideal mortgage program for your situation. We're eager to meet with you: call us at (941) 366-5800.

Have questions about pre-qualifying? Call us at (941) 366-5800. We answer pre-qualification questions every day.