The Importance of Pre-Qualification

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It can be important to visit with a mortgage professional early, even if you haven't decided what type of home you hope to find. What for? It might be difficult to understand how we could help even before you begin to calculate your offer.

We Will Help You Pre-Qualify

When we pre-qualify you, we help you decide the amount in monthly mortgage payments you can fit in your budget, and how much we of a loan you will qualify for. In this process, we look at your ability to borrow - analyzing your earning status, money available for down payment, debt, income, and other circumstances. We will require a minimum amount of paperwork, with a short,basic process.

We will give you a Pre-Qualification Letter after you qualify, which says that we're confident you can qualify for a specific amount of mortgage dollars.

Power in the Pre-Qual

A number of advantages open to you when you find your next house, and have pre-qualification. First, it helps you know the amount that you can offer. Of greater importance to the seller, your being pre-qualified is like your having entered their front door with a bag full of money ready to make the deal! They need not worry that they are wasting their time if you will not be able to qualify for a high enough mortgage. The seller won't be concerned that he can't count on you to qualify for your loan.Your qualifying for your needed loan amount will not cause them concern. They have a virtual guarantee to trust your buying power.

We will help you with your pre-qualification

When we pre-qualify you, we help you determine how much of a monthly payment you can afford, and the loan amount you will qualify for. We do this by analyzing your income and debts, your employment and housing circumstances, your funds available for a down payment, required reserves, and other considerations. We require a minimum amount of paperwork, with a quick process.

One on one

You can certainly use the mortgage calculators available on our site to calculate the size mortgage you will be able to afford - but it's also important to meet with one of our mortgage professionals. That way, we will be able to help you get your pre-qualification letter. Then, we can make sure we have the best mortgage loan program for you. Contact us at 832-407-2668 to get started.

Have questions about pre-qualifying? Call us at 832-407-2668. It's our job to answer pre-qualification questions, so we're happy to help!