Why Pre-Qualify?

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It's important to visit with a mortgage loan pro first, even before you have determined the sort of house to search for. Why? What can we do for you before you have negotiated an amount, and don't yet know how much you want to borrow?

We Will Help You Pre-Qualify

We will help you calculate how much of a mortgage loan you can afford, and how much money you may be able to borrow, by walking you through pre-qualifying. In this process, we calculate your ability to borrow - analyzing your job, available money for down payment, debts, income, and other circumstances. We ask for a minimum amount of paperwork, with a short,basic process.

When you qualify, will give you what's called a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), that states that we are helping you to find the ideal mortgage loan to fit your needs and that we are confident you will qualify for a mortgage for up to a certain amount.

Pre-Qual Power

After you locate a house that catches your eye, and you want to put together an offer, being pre-qualified for a mortgage loan will do several things. First, it lets you know how much you're able to offer. Of greater importance to the existing home owner, your being pre-qualified is like your having walked into their front door with a bag full of money ready to make the deal! They will not have to worry that they are wasting their time if you can't have the ability to qualify for a big enough mortgage loan. The seller of the home won't be concerned that he won't be able to count on you to qualify for your loan.Your qualifying for your needed mortgage loan amount won't be something for them to be concerned about. They have a virtual guarantee that they can trust your buying power.

We will help you with your pre-qualification

Our mortgage professionals can help you determine the loan amount you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified. In the process, we determine your borrowing power - reviewing your employment, available money for down payment, existing debt, income, and other areas. It's quick and basic; and we take pride in keeping the paperwork to a minimum.

One-on-One

You can certainly use the calculators available on our site to get an idea of how much mortgage you'll be able to afford - but it's also important to talk with one of our mortgage professionals. That way, we'll be able to help you get your pre-qualification letter. Next, we can study your mortgage loan options to be sure you are in the best one. We're waiting to hear from you: contact us at 214.485.2200.

Have questions about pre-qualifying? Call us at 214.485.2200. We answer pre-qualification questions every day.