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? If you do not know yet how much house you want to qualify for, what could we help you with?

Pre-Qualify

When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford, and the loan amount you will qualify for. This process walks you through your current financial situation - your debts, income, employment, and down payment money, among other things. We require a minimum amount of paperwork, with a quick process.

At the point you are determined to be eligible, we prove our confidence in your ability to qualify for a loan by awarding you a Pre-Qualification Letter (also called a "pre-qual").

Buying Power

Some benefits open to you after 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 the offer. Of greater importance to the seller, your pre-qualification is like your having entered their house with a suitcase full of cash ready to make the deal! They will not have to wonder if they have been wasting their time if you can't have the ability to qualify for a high enough mortgage loan. The seller won't be concerned that he won't be able to count on you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed loan amount won't be something for them to lose sleep over. You have the capability to back up your offer.

We will help you with your pre-qualification

Our mortgage professionals will help you find out how much of a loan you can qualify for and the monthly payment amount you are able to afford by getting you pre-qualified. We do this by analyzing your income and debts, your work and residence circumstances, the funds available for a down payment, required reserves, and some other things. We require a minimum amount of paperwork, with a quick process.

One-on-One

It's important to sit down and talk with us, even though you are welcome to also use the helpful mortgage calculators on our site. For one thing, you'll want a Pre-Qualification Letter! Next, we can study your loan options to be sure you have found the right one. We are eager to meet with you: contact us at 770-792-7979.

Have questions about pre-qualifying? Call us at 770-792-7979. It's our job to answer pre-qualification questions, so we're happy to help!