Why it's Important to Pre-Qualify

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Even if you haven't researched houses to visit yet, it can be valuable to visit with your mortgage pro first. What for? Maybe it's difficult to fathom the way we can help even before you begin to calculate your offer.

Pre-Qualify

We can help determine how much of a mortgage loan you can afford, and the amount of money you can borrow, by taking you through pre-qualifying. During the process, we look at your capacity to borrow - reviewing your employment, money available for down payment, debts, income, and other areas. We ask for a minimum amount of paperwork, and avoid a lengthy process.

We award you a Pre-Qualification Letter once you qualify, which documents that we're confident you will qualify for up to a certain amount of mortgage loan dollars.

Pre-Qual Power

Several advantages open to you once you have found your dream house, and have pre-qualification power. First, you have some definite numbers in mind, as the amount you can borrow. Even more important to the seller, your pre-qualification gives them certainty - as if you had arrived at their house with a big box of cash to back up the offer! They won't need to wonder if that they are wasting their time if you can't be able to qualify for a big enough mortgage loan. The seller won't be concerned that he won't be able to count on you to qualify for your mortgage in the amount you will need.Your qualifying for your needed loan amount will not cause them concern. You have the clout of a buyer ready to make the purchase right now!

We help with your pre-qualification

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 the pre-qualification process. In the process, we explore your capacity to borrow - analyzing your job, money available for down payment, existing debt, income, and other areas. It's a short, thorough process with minimal risks for papercuts.

Face to Face

While you are able to try our mortgage calculators on our website, it's essential to sit down and talk with us. For one thing, you will need a Pre-Qualification Letter! Next, we can study your mortgage loan choices to make sure you have selected the best one. Contact us at 949-544-4908 to get started.

Have questions about pre-qualifying? Call us at 949-544-4908. It's our job to answer pre-qualification questions, so we're happy to help!

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