Why Pre-Qualification is Important

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Even if you've not researched homes to view yet, it is valuable to visit with your mortgage pro first. Why? What can we do for you before you have negotiated a price, and don't know yet the amount you need to borrow?

Pre-Qualify

We will help you find out the loan amount you can qualify for and the monthly payment amount you can afford by helping you pre-qualify. In this process, we explore your ability to borrow - looking at your employment, available money for down payment, debts, income, and other circumstances. It's short and to the point; We take pride in keeping the paperwork light.

Once you qualify, we give you a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), that documents the fact that we are partnering with you to find the right mortgage loan program to meet your situation and that we're confident you'll qualify for a mortgage up to a certain amount.

Pre-Qualification Power

A number of advantages open to you once you've found your next house, and have achieved pre-qualification power. First, you have some definite numbers in mind, as the total you will qualify for on your mortgage loan. Of greater importance to the seller, your pre-qualification is like your having entered their house with a bag full of cash to purchase their home! They need not worry that they have been wasting their time if you will not be able to qualify for a big enough mortgage. The seller won't worry if he can trust you to qualify for your mortgage in the amount you will need.Your qualifying for your needed loan amount will not be something for them to lose sleep over. They have a virtual guarantee to trust your ability to back up your offer.

We help with your pre-qualification

We will help determine how much of a mortgage you can afford, and how much money you can borrow, by walking you through the pre-qualification process. The process outlines your finances - your debt, income, career, cash available for down payment, among other things. We require a minimum amount of paperwork, and avoid a lengthy process.

One-on-One

While you are able to use our tools to calculate mortgage variables on our site, it's a good idea to sit down and talk with one of our mortgage professional team members. That way, we'll help you get your pre-qualification letter. Then, we can make sure we have chosen the ideal mortgage loan program for you. We are eager to meet with you: contact us at (831) 459-6073.

Have questions about pre-qualifying? Call us at (831) 459-6073. It's our job to answer pre-qualification questions, so we're happy to help!