Why it's Important to Pre-Qualify

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It's valuable to see a mortgage loan pro early, even before you have decided what sort of house you hope to find. What for? When you don't know yet how much house you want to qualify for, how can we help?

Pre-Qualify

Our mortgage professionals will help you determine how much of a loan you can qualify for and the monthly payment amount you are able to afford by getting you pre-qualified. This process walks you through your finances - your debts, income, employment, and down payment money, among other things. It is a short, thorough process with minimal risks for papercuts.

At the point you are considered eligible, we will prove our confidence in your potential to qualify for a mortgage loan by presenting you with a Pre-Qualification Letter (also called a "pre-qual").

Buying Clout

Holding your pre-qualification letter, several advantages fall at your feet once you locate the home you want to put together an offer for. The first is that you will be sure the amount you'll be able to afford when determining your offer. Your pre-qualification will also make your offer more attractive to the seller, as if you were bringing them a bag full of cash! They need not be concerned they are wasting their time if you don't have the ability to qualify for a high enough mortgage loan. The seller won't wonder if he can trust you to qualify for your loan.Your qualifying for the necessary loan amount will not be something for them to be concerned about. You have the capability to back up your offer.

We will help you with your pre-qualification

When we pre-qualify you, we help you find out how much of a monthly mortgage payment you can fit in your budget, and the loan amount you will qualify for. During the process, we explore your ability to borrow - reviewing your employment, available money for down payment, existing debt, income, and other circumstances. It is a short, thorough process with minimal risks for papercuts.

One-on-One

While you can try our mortgage calculators on our website, it is a good idea to meet with one of our mortgage professional team members. That way, we will help you get your pre-qualification letter. Then, we will make sure we have the right mortgage program for you. We are eager to hear from you: call us at (860) 658-7100.

Have questions about pre-qualifying? Call us at (860) 658-7100. It's our job to answer pre-qualification questions, so we're happy to help!

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