Why Pre-Qualify?

In the market for a new mortgage loan? We'll be glad to discuss our mortgage offerings! Call us at (281) 778-0805. Want to get started? Apply Here.

It is helpful to visit with a mortgage professional early, even if you haven't decided the kind of home you hope to find. What for? It might be hard to fathom the way we could help even before you start to talk about prices and negotiations.


When we pre-qualify you, we help you figure out the amount in monthly mortgage payments you can afford, and how much we of a loan you can qualify for. We achieve this by analyzing your debts and income, your work and residence circumstances, your available funds for a down payment, required reserves, and other financial considerations. We will ask for a minimum amount of paperwork, with a short,basic process.

When you qualify, will present to you a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), that states that we are helping you to find the right loan program to fit your financial needs and that we are confident you'll qualify for a mortgage loan for up to a certain amount.

Buying Power

With your pre-qualification letter, some advantages are yours when you locate the house you want to make an offer for. First, it lets you know the amount that you are able to offer. More important to the seller, your being pre-qualified is like your having walked into their house with a bag full of money ready to make the deal! They will not need to wonder if they have been wasting their time if you won't be able to have the ability to qualify for a high enough mortgage loan. The seller won't wonder if he can count on you to qualify for your mortgage in the amount you will need.Your qualifying for your needed mortgage loan amount won't cause them concern. You have the ability to back up your offer.

We will help you pre-qualify

We can help you calculate how much of a mortgage loan you can afford, and the amount of money you will be able to borrow, by taking you through the pre-qualification process. This process outlines your financial situation - your debts, income, career, down payment money, among other things. We will ask for a minimum amount of paperwork, with a short, basic process.

One on one

While you can try our tools to calculate mortgage variables on this website, it is essential to meet with us. For one thing, you'll need a Pre-Qualification Letter! Then, we can make sure we have the ideal mortgage loan program for your situation. We are waiting to meet with you: call us at (281) 778-0805.

Have questions about pre-qualifying? Call us at (281) 778-0805. 1st Credential Mortgage Inc answers pre-qualifying questions every day.

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