The Importance of Pre-Qualification

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It's valuable to see a mortgage professional first, even before you've decided the sort of house you hope to find. What for? If you don't yet know how much house you want to qualify for, what can we help you with?

We Will Help You Pre-Qualify

We can help you calculate how much of a mortgage you can afford, and the amount of money you can borrow, by taking you through the pre-qualification process. We do this by analyzing your income and debts, your work and residence circumstances, the funds available for down payment, required reserves, and some other things. We will ask for a minimum amount of paperwork, with a quick process.

When you are determined to be eligible, we prove our confidence in your potential to qualify for a loan by presenting you with a Pre-Qualification Letter (also called a "pre-qual").

Pre-Qual Power

With your pre-qualification letter, some advantages are yours at the point you locate the house you want to put together an offer on. First, it lets you know how much you're able to offer. Even more important to the present owner, your pre-qualification gives them certainty - as if you had entered their home with a suitcase of cash to make the offer! They will not need to be concerned that they're wasting their time if you do not be able to qualify for a high enough mortgage. The seller of the home won't be concerned that he won't be able to trust you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary mortgage loan amount will not cause them concern. You have the capability to back up your offer.

We will help you pre-qualify

We can help determine how much of a mortgage loan you can afford, and how much money you will be able to borrow, by walking you through pre-qualifying. This process leads you through your financial situation - your debt, income, job, cash available for down payment, among other things. It's short and to the point; and we take pride in keeping the paperwork to a minimum.

One on one

It is important to sit down and talk with us, even though you are free to also use the helpful mortgage loan calculators on this website. That way, we'll be able to help you get your pre-qualification letter. Next, we can consider your mortgage options to be sure you have chosen the best one. We are eager to meet with you: contact us at (941) 366-5800.

Have questions about pre-qualifying? Call us at (941) 366-5800. It's our job to answer pre-qualification questions, so we're happy to help!