Why it's Important to Pre-Qualify

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Even if you have not narrowed down houses to view yet, it's valuable to visit with your mortgage loan professional first. What for? If you don't yet know how much house you need to qualify for, what can we do for you?

We Will Help You Pre-Qualify

When we pre-qualify you, we help you figure out the amount in monthly payments you can fit in your budget, and the size of loan you will qualify for. During the process, we look at your ability to borrow - reviewing your earning status, available money for down payment, debts, income, and other circumstances. We will ask for a minimum amount of paperwork, with a quick process.

When you qualify, we present to you a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), which documents the fact that we are helping you to find the best loan program to meet your situation and that we're confident you will qualify for a loan for up to a specific amount.

Pre-Qual Power

Some beneifits open to you when you've found your next house, and have pre-qualification power. The first is that you will know the amount you can afford when calculating your offer. Having pre-qualification can also make your offer more attractive to the seller, as if you were bringing them a bag full of cash! They won't need to worry that they have been wasting their time if you will not have the ability to qualify for a high enough mortgage. The seller of the home won't be concerned that he won't be able to count on you to qualify for your loan.Your qualifying for the necessary mortgage loan amount won't be something for them to worry about. You have the capability to back your offer up.

We can help you pre-qualify

We will help you determine how much of a loan you can qualify for and the monthly payment amount you are able to afford by getting you pre-qualified. This process outlines your current financial situation - your debt, income, employment, cash available for down payment, among other things. It is a short, thorough process with minimal risks for papercuts.

One on one

While you are encouraged to use our mortgage calculators on this website, it will be a good idea to sit down and talk with one of our mortgage professional team members. For one thing, you'll want a Pre-Qualification Letter! Then, we'll make sure we have the right mortgage loan program for your situation. Contact us at (281) 778-0805 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at (281) 778-0805. We answer pre-qualification questions every day.