The Importance of Pre-Qualification

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Even if you've not narrowed down houses to visit yet, it's advantageous to visit with your mortgage loan professional first. What for? What can we do for you before you have negotiated a price, and do not know yet the amount you need to borrow?

We Will Help You Pre-Qualify

We will help you see how much of a mortgage you can afford, and the amount of money you can borrow, by taking you through pre-qualifying. The process outlines your finances - your debts, income, job, and cash available for down payment, among other things. It's short and to the point; We keep the paperwork to a minimum.

At the point you are considered eligible, we prove our confidence in your capacity to qualify for a mortgage by awarding you a Pre-Qualification Letter (also known as a "pre-qual").

Buying Power

A number of beneifits open to you after you find your next house, and have pre-qualification. The first is that you can be sure the amount you'll be able to afford when determining the offer. Being pre-qualified also will make your offer look even better to the home seller, like you were bringing them a bag full of cash! They will not need to be concerned they're wasting their time if you do not be able 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 loan.Your qualifying for the necessary mortgage loan amount will not be something for them to fret over. You have the ability to back up your offer.

We will help you with your pre-qualification

We can help you calculate how much of a mortgage loan you can afford, and the amount of money you can borrow, by walking you through the pre-qualification process. This process outlines your finances - your debts, income, employment, down payment money, among other things. We will ask for a minimum amount of paperwork, and avoid a lengthy process.

One-on-One

While you are encouraged to try our mortgage calculators on our website, it's a good idea to sit down and talk with us. That way, we'll be able to help you get your pre-qualification letter. For another thing, we may be able to locate a different mortgage choice that better fits your needs. Contact us at 949-544-4908 to get your pre-qualification process 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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