Why Pre-Qualification is Important

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It's helpful to visit with a mortgage loan pro early, even before you have determined what sort of home you hope to find. Why? It might be difficult to fathom the ways we could help even before you start to talk about prices and negotiations.

We Can Help You Pre-Qualify

We will help you find out the loan amount you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. This process leads you through your current financial situation - your debt, income, employment, and cash available for down payment, among other things. It's quick and to the point; We take pride in keeping the paperwork to a minimum.

After you qualify, will present to you a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), that says that we are working with you to find the right loan to fit your situation and that we are confident you will qualify for a mortgage up to a certain amount.

Buying Clout

Several advantages open to you when you have found your next house, and have pre-qualification. The first is that you can be sure the amount you will be able to afford when putting together the offer. Of greater importance to the existing home owner, your pre-qualification is like your having walked into their front door with a suitcase full of money to make the deal! They won't need to worry that that they are wasting their time if you will not have the ability to qualify for a big enough mortgage loan. The seller of the home won't be concerned that he can't trust you to qualify for your loan.Your qualifying for the necessary loan amount won't cause them concern. You have the ability to back up your offer.

We will help you pre-qualify

When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can fit in your budget, and the loan amount you will qualify for. We accomplish this by analyzing your income and debts, your work and residence situations, the available funds for a down payment, required reserves, and some other things. It is a quick, thorough process with minimal risks for papercuts.

One on one

While you are encouraged to try our tools to calculate mortgage variables on this site, it's essential to sit down and talk with one of our mortgage professional team members. For one thing, you'll want a Pre-Qualification Letter! Then, we'll make sure we have selected the best mortgage loan program for you. Let us get you started: Call us at (219) 947-0001.

Have questions about pre-qualifying? Call us at (219) 947-0001. We answer pre-qualification questions every day.