Why Pre-Qualification is Important

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It's valuable to consult with your mortgage professional as soon as possible — even before you have started to research neighborhoods. Why? If you do not know yet how much house you want to qualify for, how can we help?

Pre-Qualify

We can help you calculate how much of a mortgage loan you can afford, and the amount of money you can borrow, by taking you through the pre-qualification process. The process outlines your finances - your debts, income, job, and cash available for down payment, among other things. We will require a minimum amount of paperwork, with a quick process.

Once you are determined to be eligible, we will prove our confidence in your capacity to qualify for a mortgage loan by giving you a Pre-Qualification Letter (also called a "pre-qual").

Buying Clout

A number of advantages open to you once you have found your new house, and have pre-qualification. The first is that you will be sure what you'll be able to afford when calculating the offer. Being pre-qualified also will make your offer more attractive to the seller, like you were bringing them a suitcase full of cash! They will not need to worry that they have been wasting their time if you can't be able to qualify for a high enough mortgage loan. The seller of the home won't worry if he can count on you to qualify for your loan.Your qualifying for your needed loan amount will not cause them concern. You have the capability to back your offer up.

We help with your pre-qualification

We will help you find out how much of a loan you can qualify for and the mortgage payment amount you can afford by helping you pre-qualify. We do this by considering your debts and income, your work and residence situations, your funds available for down payment, required reserves, and some other things. It's a quick, thorough process with minimal risks for papercuts.

One on one

You can certainly use the calculators available on this site to calculate how much mortgage you'll be able to afford - but it's also valuable to talk with us. That way, we will help you get your pre-qualification letter. Then, we will make sure we have found the right mortgage loan program for you. Let us help you get started: Call us at (985) 429-1770.

Have questions about pre-qualifying? Call us at (985) 429-1770. It's our job to answer pre-qualification questions, so we're happy to help!

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