When to Talk to Your Mortgage Pro About Pre-Qualifying

In the market for a new mortgage loan? We will be glad to help! Call us at (860) 658-7100. Ready to begin? Apply Now.

It's important to see a mortgage loan pro early, even before you have determined what sort of home you hope to find. What for? What can we do for you before you have made an offer, and do not know yet how much you want to borrow?


When we pre-qualify you, we help you figure out how much of a monthly mortgage payment you can fit in your budget, and the loan amount you will qualify for. During this process, we calculate your capacity to borrow - reviewing your earning status, available money for down payment, debts, income, and other areas. We require a minimum amount of paperwork, with a short,basic process.

We'll award you a Pre-Qualification Letter after you qualify, that documents that we're confident you'll qualify for up to a specific amount of mortgage dollars.

Power in the Pre-Qual

Some beneifits open to you when you find your new house, and have achieved pre-qualification power. The first is that you'll know the amount you will be able to afford when putting together your offer. Even more important to the present owner, your pre-qualification gives them confidence - as if you had arrived at their home with a big box of cash to make the offer! They need not wonder if they have been wasting their time if you don't have the ability to qualify for a big enough mortgage loan. The seller won't be concerned that he won't be able to count on you to qualify for your loan.Your qualifying for the necessary loan amount won't cause them concern. You'll have the clout of a buyer ready to make the purchase on the spot!

We help with your pre-qualification

When we pre-qualify you, we help you find out how much of a monthly mortgage payment you can afford, and the size of loan you will qualify for. We can do this by considering your debts and income, your employment and housing circumstances, your funds available for down payment, required reserves, and some other things. We require a minimum amount of paperwork, and avoid a lengthy process.


You can always use the calculators here on this site to calculate how much mortgage you will be able to afford - but it's also important to meet with us. That way, we'll be able to help you get your pre-qualification letter. Next, we can consider your mortgage loan options to be sure you are in the right one. Contact us at (860) 658-7100 to get started.

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

Got a Question?

Do you have a question? We can help. Simply fill out the form below and we'll contact you with the answer, with no obligation to you. We guarantee your privacy.

Your Information
Your Question
By checking the box, you agree that Ward Kilduff Mortgage may call/text you about your inquiry, which may involve use of automated means and prerecorded/artificial voices.. Message/data rates may apply.