Why Pre-Qualification is Important

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Even if you haven't researched homes to visit yet, it's advantageous to contact your mortgage pro early. What for? It may be difficult to fathom the ways we can help even before you begin to talk about prices and negotiations.


When we pre-qualify you, we help you find out how much of a monthly payment you can afford, and how much we of a loan you can qualify for. This process leads you through your financial situation - your debts, income, job, and cash available for down payment, among other things. We will ask for a minimum amount of paperwork, and avoid a lengthy process.

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

Power in the Pre-Qual

Several advantages open to you when you find your dream house, and have achieved pre-qualification power. First, it helps you know the amount that you're able to offer. Your pre-qualification also will make your offer more attractive to the seller, like you were bringing them a big box of cash! They need not be concerned that they are wasting their time if you won't be able to be able to qualify for a big enough mortgage. 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 the necessary mortgage loan amount will not cause them concern. They have a virtual guarantee that they can trust your buying power.

We help with your pre-qualification

We will help you see how much of a mortgage loan you can afford, and how much money you may be able to borrow, by walking you through pre-qualifying. In this process, we calculate your borrowing power - looking at your job, available money for down payment, debts, income, and other areas. It's quick and to the point; and we keep the paperwork light.

Face to Face

You can always use the calculators on our website to calculate the size mortgage you'll be able to afford - but it's also important to talk with us. That way, we'll help you get your pre-qualification letter. For another thing, we might locate a different mortgage choice that is a better fit for you. Let us help you get started: Contact us at (860) 658-7100.

Have questions about pre-qualifying? Call us at (860) 658-7100. We answer pre-qualification questions every day.

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