Why Pre-Qualification is Important

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It is important to consult your mortgage loan professional early — even before you've begun narrowing down neighborhoods. What for? When you do not yet know how much home you want to qualify for, how can we help?

We Can Help You Pre-Qualify

When we pre-qualify you, we help you figure out the amount in mortgage payments you can fit in your budget, and the size of loan you can qualify for. We accomplish this by reviewing your debts and income, your work and residence situations, the available funds for a down payment, required reserves, and other considerations. It's a short, thorough process with minimal risks for papercuts.

After 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

Some advantages open to you after you find your next house, and have achieved pre-qualification. The first is that you will know what you will be able to afford when determining your offer. Even more important to the seller, your pre-qualification gives them confidence - as if you had arrived at their house with a bag of cash to back up the offer! They won't need to be concerned they have been wasting their time if you can't be able to qualify for a big enough mortgage. 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 loan amount will not be something for them to be concerned about. They have a virtual guarantee that they can trust your buying power.

We help with your pre-qualification

We can help you see how much of a mortgage loan you can afford, and how much money you can borrow, by taking you through the pre-qualification process. We accomplish this by considering your debts and income, your work and residence circumstances, your available funds for a down payment, required reserves, and other considerations. It's a quick, thorough process with minimal risks for papercuts.

One on one

You can always use the calculators on this website to get an idea of how much mortgage you'll be able to afford - but it's also important to talk with one of our mortgage professionals. That way, we'll help you get your pre-qualification letter. Then, we'll make sure we have chosen the best mortgage loan program for your situation. Let us help you get started: Call us at (817) 235-3089.

Have questions about pre-qualifying? Call us at (817) 235-3089. It's our job to answer pre-qualification questions, so we're happy to help!