The Importance of Pre-Qualification

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It's important to see a mortgage loan pro early, even if you haven't decided the kind of house to look for. What for? When you do not yet know how much house you need to qualify for, how can we help?

Pre-Qualify

When we pre-qualify you, we help you find out how much of a monthly mortgage payment you can fit in your budget, and how much we of a loan you can qualify for. In this process, we look at your capacity to borrow - analyzing your employment, available money for down payment, existing debt, income, and other circumstances. It's a short, thorough process with minimal risks for papercuts.

We'll give you a Pre-Qualification Letter after you qualify, which says that we're confident you will qualify for a specific amount of mortgage loan dollars.

Power in the Pre-Qual

With your pre-qualification letter, several advantages are yours once you find the house you want to make an offer for. First, it lets you know how much you're able to offer. Of greater importance to the seller, your being pre-qualified is like your having walked into their front door with a suitcase full of money to purchase the home! They won't have to worry that that they have been wasting their time if you will not have the ability to qualify for a high enough mortgage. The seller won't be concerned that he won't be able to trust you to qualify for your loan.Your qualifying for your needed loan amount will not be something for them to fret over. They have a virtual guarantee that they can trust your ability to back up your offer.

We will help you with your pre-qualification

Our mortgage professionals will help you determine the loan amount you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified. This process takes you through your financial situation - your debts, income, career, down payment money, among other things. It is a quick, thorough process with minimal risks for papercuts.

One-on-One

While you can try our tools to calculate mortgage variables on this website, it's a good idea to sit down and talk with us. That way, we will help you get your pre-qualification letter. Next, we can study your mortgage choices to make sure you have found the best one. We are eager to hear from you: contact us at (405) 822-1957.

Have questions about pre-qualifying? Call us at (405) 822-1957. It's our job to answer pre-qualification questions, so we're happy to help!