Why Pre-Qualification is Important

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It is valuable to consult your mortgage professional early — even before you've started to research neighborhoods. What for? What can we do for you before you have negotiated a price, and don't yet know the amount you need to borrow?

We Can Help You Pre-Qualify

We will help you calculate how much of a mortgage loan you can afford, and how much money you may be able to borrow, by walking you through the pre-qualification process. In this process, we calculate your borrowing capacity - reviewing your employment, available money for down payment, existing debt, income, and other areas. We ask for a minimum amount of paperwork, with a quick process.

Once you qualify, will present to you a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), that says that we are working with you to find the right loan to fit your financial needs and that we're confident you'll qualify for a mortgage loan for up to a certain amount.

Buying Clout

After you locate the house that is best for you, and you want to make an offer, being pre-qualified for a loan will do several things. First, you have some definite numbers in mind, as the total you will qualify for on your mortgage. Of greater importance to the existing home owner, your being pre-qualified is like your having entered their front door with a bag full of money to make the deal! They will not need to wonder if that they have been wasting their time if you won't be able to be able to qualify for a big enough mortgage loan. The seller of the home won't worry if he can trust you to qualify for your loan.Your qualifying for your needed mortgage loan amount won't cause them concern. You have the ability to back up your offer.

We help with your pre-qualification

Our mortgage professionals will help you determine the loan amount you can qualify for and the monthly payment amount you can afford by getting you pre-qualified. In the process, we determine your borrowing power - analyzing your earning status, available money for down payment, debt, income, and other circumstances. We will ask for a minimum amount of paperwork, with a short, basic process.

Face to Face

It is important to sit down and meet with us, even though you are free to also use the helpful mortgage loan calculator tools on our site. For one thing, you will need a Pre-Qualification Letter! Then, we will make sure we have selected the right mortgage program for you. We're eager to meet with you: contact us at 949-380-6837.

Have questions about pre-qualifying? Call us at 949-380-6837. We answer pre-qualification questions every day.