Why it's Important to Pre-Qualify

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It is important to consult with your mortgage loan professional early — even before you've started to research neighborhoods. Why? Perhaps it's hard to understand the ways we can help even before you start to calculate your offer.

We Can Help You Pre-Qualify

When we pre-qualify you, we help you decide how much of a monthly payment you can fit in your budget, and how much we of a loan you will qualify for. This process leads you through your finances - your debts, income, employment, and down payment money, among other things. It's a short, thorough process with minimal risks for papercuts.

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

Pre-Qualification Power

Various beneifits open to you when you have found your next house, and have pre-qualification power. First of all, you have some definite numbers in mind, as the total you will qualify for with your mortgage loan. More important to the current home owner, your pre-qualification is like your having entered their house with a suitcase full of cash ready to make the deal! They need not worry that they're wasting their time if you do not be able to qualify for a high enough mortgage loan. The seller won't be concerned that he can't trust you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary loan amount will not be something for them to fret over. You have the capability to back your offer up.

We can help you pre-qualify

When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford, and the loan amount you can qualify for. The process outlines your financial situation - your debts, income, career, cash available for down payment, among other things. We will require a minimum amount of paperwork, and avoid a lengthy process.

Face to Face

You can always use the calculators available on this site to get an idea of how much mortgage you will be able to afford - but it's also valuable to meet with us. That way, we'll be able to help you get your pre-qualification letter. Next, we can study your mortgage loan options and be sure you have found the best one. Contact us at (808) 935-0678 to get started.

Have questions about pre-qualifying? Call us at (808) 935-0678. We answer pre-qualification questions every day.