Why it's Important to Pre-Qualify

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Even if you've not so much as researched homes to visit yet, it's important to see your mortgage pro early. Why? What can we do for you if you have not made an offer, and do not yet know how much you need to borrow?

Pre-Qualify

When we pre-qualify you, we help you find out the amount in monthly payments you can fit in your budget, and the loan amount you can qualify for. We can do this by analyzing your debts and income, your employment and residence situations, the available funds for down payment, required reserves, and other considerations. It's quick and basic; We take pride in keeping the paperwork to a minimum.

After you qualify, will present to you what's called a Pre-Qualification Letter (your real estate agent may refer to it as a "pre-qual"), that states that we are partnering with you to find the best mortgage to fit your financial needs and that we are confident you'll qualify for a mortgage for a certain amount.

Power in the Pre-Qual

With your pre-qualification letter, several advantages are yours at the point you find the home you want to make an offer for. First, you have some concrete numbers in mind, as the total you will be able to borrow. Your pre-qualification also will make your offer more attractive to the seller, as if you were bringing them a big box of cash! They won't need to wonder if that they have been wasting their time if you won't be able to have the ability to qualify for a high enough mortgage. The seller won't be concerned that he won't be able to count on you to qualify for your loan.Your qualifying for your needed loan amount will not be something for them to fret over. You'll have the sway of a buyer ready to make the deal right now!

We will help you pre-qualify

When we pre-qualify you, we help you decide the amount you can afford in monthly payments you can fit in your budget, and the loan amount you can qualify for. The process outlines your current financial situation - your debt, income, career, down payment money, among other things. It is a short, thorough process with minimal risks for papercuts.

One on one

You can always use the calculators here on this site to get an idea of how much mortgage you'll be able to afford - but it's also essential to meet with one of our mortgage professionals. We can work toward your pre-qualification letter. Then, we'll make sure we have the best mortgage loan program for your situation. Let us help you get started: Call us at 720-598-8300.

Have questions about pre-qualifying? Call us at 720-598-8300. It's our job to answer pre-qualification questions, so we're happy to help!