Why Pre-Qualification is Important

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It is important to consult with your mortgage professional as soon as possible — even before you have started to consider neighborhoods. What for? How can we help if you have not made your offer, and don't yet know how much you want to borrow?

Pre-Qualify

We will help you see how much of a mortgage you can afford, and how much money you may be able to borrow, by walking you through the pre-qualification process. We can achieve this by analyzing your income and debts, your work and residence situations, your funds available for down payment, required reserves, and other financial considerations. It's quick and to the point; We take pride in keeping the paperwork light.

After you qualify, will give you what's called a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), which states that we are helping you to find the ideal mortgage to fit your needs and that we're confident you will qualify for a loan for a certain amount.

Buying Clout

Some advantages open to you after you've found your new house, and have achieved pre-qualification power. First, it helps you know how much you can offer. Even more important to the seller of the house, your pre-qualification status gives them certainty - as if you'd come into their home with a bag of cash to make the offer! They won't need to worry that they're wasting their time if you do not be able to qualify for a high enough mortgage loan. The seller of the home won't wonder if he can trust you to qualify for your loan.Your qualifying for your needed loan amount won't be something for them to be concerned about. They have a virtual guarantee that they can trust your buying power.

We will help you with your pre-qualification

We will help you see how much of a mortgage loan you can afford, and the amount of money you will be able to borrow, by walking you through the pre-qualification process. During this process, we look at your borrowing potential - analyzing your job, money available for down payment, debts, income, and other areas. It is a short, thorough process with minimal risks for papercuts.

One-on-One

It's vital for you to sit down and meet with us, even though you are free to also utilize the helpful mortgage loan calculators on our site. We can work toward your pre-qualification letter. Then, we will make sure we have the right mortgage loan program for you. 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!