Why Pre-Qualification is Important

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It is helpful to visit with a mortgage professional early, even if you haven't settled on what sort of house you hope to find. Why? When you do not know yet how much home you need to qualify for, how could we help?


We can help you calculate how much of a loan you can qualify for and the mortgage payment amount you can afford by getting you pre-qualified. This process walks you through your finances - your debt, income, career, and down payment money, among other things. We ask for a minimum amount of paperwork, and avoid a lengthy process.

Once you are considered eligible, we document our confidence in your ability to qualify for a mortgage loan by presenting you with a Pre-Qualification Letter (also known as a "pre-qual").

Pre-Qualification Power

Once you locate the house that is right for you, and you want to put together an offer, being pre-qualified for a mortgage will do a couple of things. First, you have some concrete numbers in mind, as the amount you will qualify for with your mortgage loan. Even more important to the seller of the home, your pre-qualification letter gives them confidence - as if you'd come to their home with a bag of cash to back up the offer! They won't need to be concerned that they're wasting their time if you won't be able to have the ability to qualify for a big enough mortgage loan. The seller of the home won't be concerned that he won't be able to trust you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed mortgage loan amount won't be something for them to be concerned about. They have a virtual guarantee that they can trust your ability to back up your offer.

We help with your pre-qualification

When we pre-qualify you, we help you decide the amount you can afford in mortgage payments you can fit in your budget, and the loan amount you can qualify for. This process leads you through your finances - your debt, income, career, down payment money, among other things. It's short and to the point; and we take pride in keeping the paperwork light.


You can always use the calculators here on our site to get an idea of how much mortgage you can afford - but it's also important to talk with one of our mortgage professionals. For one thing, you'll want a Pre-Qualification Letter! For another thing, we could find a different mortgage program that is a better fit for you. We're eager to meet with you: call us at (405) 822-1957.

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

Basic Pre-Approval

Get the Best Mortgage Rate! Tell us a little about your current needs and we can use that information to match you with just the right loan.

Tell us about your loan needs.
How can we get in touch with you?
Tell us about your credit history.