Why Pre-Qualify?

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Even if you have not so much as narrowed down homes to view yet, it can be valuable to see your mortgage loan professional early. Why? When you do not know yet how much home you need to qualify for, how can we help?

Pre-Qualify

We will help you see how much of a mortgage you can afford, and the amount of money you can borrow, by taking you through pre-qualifying. In the process, we determine your borrowing capacity - reviewing your job, available money for down payment, debt, income, and other circumstances. It's short and basic; We keep the paperwork to a minimum.

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

Pre-Qual Power

Once you locate a house that is best for you, and you want to make an offer, being pre-qualified for a mortgage loan will do several things. First, you have some general numbers in mind, as the total you can borrow. Of greater importance to the seller, your being pre-qualified is like your having walked into their house with a suitcase full of cash ready to make the deal! They need not worry that that they have been wasting their time if you don't be able to qualify for a big enough mortgage. The seller of the home won't worry if he can trust you to qualify for your mortgage in the amount you will need.Your qualifying for your needed mortgage loan amount will not be something for them to fret over. You have the ability to back your offer up.

We can help you pre-qualify

When we pre-qualify you, we help you determine how much of a monthly payment you can afford, and the loan amount you can qualify for. This process outlines your finances - your debts, income, career, cash available for down payment, among other things. It's short and basic; and we take pride in keeping the paperwork to a minimum.

One on one

You can always use the calculators here on this site to calculate the size mortgage you will be able to afford - but it's also valuable to meet with one of our mortgage professionals. For one thing, you'll want a Pre-Qualification Letter! Next, we can review your mortgage options to make sure you have chosen the best one. We're eager to hear from you: contact us at (405) 822-1957.

Have questions about pre-qualifying? Call us at (405) 822-1957. We answer pre-qualification questions every day.