Why it's Important to Pre-Qualify

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Even if you've not narrowed down houses to view yet, it's important to see your mortgage professional first. Why? It might be hard to fathom how we could help even before you begin to calculate your offer.

We Will Help You Pre-Qualify

We can help determine how much of a mortgage you can afford, and the amount of money you can borrow, by taking you through the pre-qualification process. The process outlines your finances - your debts, income, career, and down payment money, among other things. We require a minimum amount of paperwork, and avoid a lengthy process.

When you are determined to be eligible, we document our confidence in your potential to qualify for a loan by awarding you a Pre-Qualification Letter (also known as a "pre-qual").

Power in the Pre-Qual

After you locate a house that catches your eye, and you want to make an offer, being pre-qualified for a loan will do a couple of things. First, it lets you know the amount that you're able to offer. Your pre-qualification also will make your offer more attractive to the seller, as if you were bringing them a suitcase full of cash! They need not worry that that they're wasting their time if you can't be able to qualify for a high enough mortgage. The seller won't be concerned that he won't be able to count on you to qualify for your loan.Your qualifying for the necessary loan amount will not cause them concern. You have the capability to back up your offer.

We will help you with your pre-qualification

Our mortgage professionals can help you calculate the loan amount you can qualify for and the monthly mortgage payment amount you are able to afford by helping you pre-qualify. We accomplish this by reviewing your debts and income, your employment and residence situations, your available funds for down payment, required reserves, and some other things. We require a minimum amount of paperwork, and avoid a lengthy process.

One on one

You can certainly use the mortgage calculators available on this site to calculate the size mortgage you can afford - but it's also important to meet with one of our mortgage professionals. We can walk you through your pre-qualification letter. Then, we can make sure we have the right mortgage loan program for you. We're eager to hear from you: contact us at (281) 778-0805.

Have questions about pre-qualifying? Call us at (281) 778-0805. It's our job to answer pre-qualification questions, so we're happy to help!