The Importance of Pre-Qualifying

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It can be valuable to see a mortgage loan pro first, even if you haven't decided what sort of house to look for. Why? What can we do for you before you have negotiated a price, and don't yet know how much you need to borrow?

We Will Help You Pre-Qualify

We can help determine how much of a mortgage you can afford, and how much money you can borrow, by taking you through the pre-qualification process. This process leads you through your finances - your debt, income, job, and down payment money, among other things. It's quick and to the point; We keep the paperwork light.

We will award you a Pre-Qualification Letter if you qualify, that documents that we are confident you'll qualify for a certain amount of mortgage loan dollars.

Pre-Qualification Power

A number of advantages open to you once you find your next house, and have achieved pre-qualification. First, it lets you know the amount that you're able to offer. Being pre-qualified can also make your offer more attractive to the seller, like you were bringing them a big box of cash! They won't need to worry that that they are wasting their time if you do not have the ability 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 mortgage in the amount you'll need.Your qualifying for your needed mortgage loan amount will not cause them concern. You'll have the clout of a buyer ready to make the purchase right now!

We help with your pre-qualification

When we pre-qualify you, we help you decide how much of a monthly payment you can afford, and the loan amount you will qualify for. We achieve this by analyzing your debts and income, your work and housing situations, your available funds for a down payment, required reserves, and other considerations. It's short and to the point; and we keep the paperwork light.

One-on-One

You can certainly use the calculators available on this site to get an idea of how much mortgage you can afford - but it's also valuable to talk with one of our mortgage professionals. For one thing, you'll need a Pre-Qualification Letter! Then, we will make sure we have the best mortgage loan program for your situation. Let us get you started: Call us at (405) 822-1957.

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