Why Pre-Qualification is Important

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It is important to consult your mortgage professional early — even before you've started narrowing down neighborhoods. Why? If you don't know yet how much home you want to qualify for, how can we help?

Pre-Qualify

We will help determine how much of a mortgage you can afford, and how much money you can borrow, by taking you through pre-qualifying. In this process, we look at your borrowing capacity - analyzing your employment, money available for down payment, debts, income, and other circumstances. It's a quick, thorough process with minimal risks for papercuts.

We'll award you a Pre-Qualification Letter if you qualify, which says that we are confident you will qualify for up to a specific amount of mortgage loan dollars.

Power in the Pre-Qual

With your pre-qualification letter, some advantages fall at your feet when you find the house you want to make an offer on. First, it helps you know the amount that you can offer. Even more important to the seller, your pre-qualification status gives them confidence - as if you'd come into their home with a suitcase of cash to back up the offer! They won't have to be concerned that they have been wasting their time if you do not have the ability to qualify for a high enough mortgage. The seller of the home won't wonder if he can trust you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary loan amount won't be something for them to worry about. You have the capability to back up your offer.

We will help you with your pre-qualification

We can help you see how much of a mortgage you can afford, and how much money you can borrow, by walking you through the pre-qualification process. We will achieve this by analyzing your income and debts, your employment and housing circumstances, your available funds for down payment, required reserves, and other considerations. We will require a minimum amount of paperwork, with a short, basic process.

One on one

You can always use the calculators on this website to calculate how much mortgage you will be able to afford - but it's also valuable to talk with us. For one thing, you'll need a Pre-Qualification Letter! Next, we can consider your loan options and make sure you have selected the best one. We're eager to hear from you: contact us at (817) 821-5179.

Have questions about pre-qualifying? Call us at (817) 821-5179. It's our job to answer pre-qualification questions, so we're happy to help!