Why Pre-Qualify?

In the market for a new mortgage loan? We can assist you! Call us at 949-544-4908. Want to get started? Apply Here.

It is important to consult your mortgage loan professional early — even before you have started to research neighborhoods. What for? What can we do for you if you have not negotiated a purchase amount, and do not know yet the amount you need to borrow?

We Can Help You Pre-Qualify

Our mortgage professionals can help you calculate the loan amount you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. This process takes you through your current financial situation - your debt, income, job, and cash available for down payment, among other things. It's quick and to the point; We take pride in keeping the paperwork to a minimum.

We will give you a Pre-Qualification Letter once you qualify, that documents that we are confident you will qualify for a certain amount of mortgage loan dollars.

Buying Power

Holding your pre-qualification letter, several advantages fall at your feet when you locate the house you want to make an offer on. First, it lets you know the amount that you're able to offer. Even more important to the seller, your pre-qualification status gives them confidence - as if you'd entered their house with a bag of cash to back up the offer! They won't need to worry that that 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 won't be able to trust you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed loan amount will not be something for them to worry about. You have the capability to back your offer up.

We can help you pre-qualify

We can help you calculate how much of a loan you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. We will accomplish this by analyzing your debts and income, your work and residence situations, the funds available for a down payment, required reserves, and some other things. It's short and to the point; and we take pride in keeping the paperwork light.

Face to Face

You can certainly use the mortgage calculators on our website to get an idea of how much mortgage you'll be able to 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 could locate a different mortgage choice that better fits your needs. Let us get you started: Contact us at 949-544-4908.

Have questions about pre-qualifying? Call us at 949-544-4908. We answer pre-qualification questions every day.

Got a Question?

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