When to Speak to Your Mortgage Professional About Pre-Qualifying

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It's helpful to consult your mortgage professional as soon as possible — even before you've started researching neighborhoods. What for? How can we help you before you have made your offer, and don't yet know the amount you want to borrow?

We Can Help You Pre-Qualify

When we pre-qualify you, we help you determine the amount in monthly mortgage payments you can afford, and the size of loan you can qualify for. We will achieve this by reviewing your debts and income, your work and residence circumstances, your available funds for down payment, required reserves, and some other things. It's a short, thorough process with minimal risks for papercuts.

We give you a Pre-Qualification Letter once you qualify, which documents that we are confident you'll qualify for up to a predetermined amount of mortgage loan dollars.

Buying Clout

With your pre-qualification letter, a number of advantages fall at your feet once you locate the house you want to put together an offer for. First, it helps you know how much you are able to offer. Being pre-qualified will also make your offer more attractive to the seller, as if you were bringing them a suitcase full of cash! They need not be concerned that they're wasting their time if you don't have the ability to qualify for a high enough mortgage loan. The seller of the home won't be concerned that he can't count on you to qualify for your loan.Your qualifying for the necessary loan amount won't cause them concern. You have the ability to back up your offer.

We can help you pre-qualify

We will help you calculate how much of a mortgage you can afford, and the amount of money you can borrow, by taking you through pre-qualifying. We accomplish this by considering your income and debts, your work and housing circumstances, your available funds for down payment, required reserves, and some other things. It is a quick, thorough process with minimal risks for papercuts.

One-on-One

It's important to sit down and meet with us, even though you are welcome to also use the helpful mortgage calculator tools on our website. For one thing, you will need a Pre-Qualification Letter! For another thing, we may find a different mortgage program that fits your goals better. Contact us at (281) 778-0805 to get started.

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!