Why it's Important to Pre-Qualify

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It can be valuable to see a mortgage professional early, even before you have decided the sort of house you hope to find. What for? It might be hard to fathom the way we can help even before you begin to talk about prices and negotiations.

We Will Help You Pre-Qualify

When we pre-qualify you, we help you find out the amount in monthly mortgage payments you can afford, and the loan amount you can qualify for. We do this by analyzing your income and debts, your employment and housing situations, the available funds for down payment, required reserves, and some other things. It's a quick, thorough process with minimal risks for papercuts.

When you qualify, will present to you a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), that says that we are partnering with you to find the right mortgage loan to meet your financial needs and that we are confident you will qualify for a mortgage for up to a specific amount.

Buying Clout

A number of beneifits open to you after you've found your new house, and have achieved pre-qualification. The first is that you'll know what you'll be able to afford when determining your offer. Your pre-qualification will also make your offer look even better to the seller, like you were bringing them a suitcase of cash! They will not need to worry that they're wasting their time if you can't be able to qualify for a big enough mortgage loan. The seller of the home won't worry if he can trust you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary loan amount won't be something for them to lose sleep over. You have the ability to back up your offer.

We can help you pre-qualify

We will help determine how much of a mortgage loan you can afford, and the amount of money you will be able to borrow, by walking you through the pre-qualification process. We will achieve this by analyzing your debts and income, your employment and residence circumstances, your funds available for down payment, required reserves, and some other things. It's short and to the point; and we keep the paperwork to a minimum.

One on one

You can always use the calculators available on this site to calculate the size mortgage you'll be able to afford - but it's also valuable to talk with one of our mortgage professionals. That way, we will be able to help you get your pre-qualification letter. For another thing, we could find a different mortgage loan option that fits your situation better. Contact us at (281) 778-0805 to get started.

Have questions about pre-qualifying? Call us at (281) 778-0805. It's our job to answer pre-qualification questions, so we're happy to help!

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