The Importance of Pre-Qualification

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It's helpful to visit with a mortgage professional early, even if you haven't settled on the kind of house you hope to find. Why? If you don't yet know how much house you need to qualify for, how could we help?

We Can Help You Pre-Qualify

Our mortgage professionals will help you calculate how much of a loan you can qualify for and the monthly mortgage payment amount you are able to afford by helping you pre-qualify. The process walks you through your financial situation - your debt, income, career, and cash available for down payment, among other things. We require a minimum amount of paperwork, with a quick process.

At the point you are determined to be eligible, we prove our confidence in your ability to qualify for a mortgage by presenting you with a Pre-Qualification Letter (also known as a "pre-qual").

Pre-Qual Power

A number of advantages open to you once you find your dream house, and have pre-qualification. First, it helps 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 entered their front door with a bag full of money to make the deal! They need not worry that they have been wasting their time if you won't be able to be able to qualify for a high enough mortgage loan. The seller won't be concerned that he can't count on you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary loan amount will not be something for them to be concerned about. You have the ability to back your offer up.

We help with your pre-qualification

When we pre-qualify you, we help you figure out the amount you can afford in monthly mortgage payments you can afford, and the loan amount you can qualify for. The process leads you through your finances - your debts, income, job, cash available for down payment, among other things. It is a quick, thorough process with minimal risks for papercuts.

Face to Face

You can always use the mortgage calculators here on this site to get an idea of how much mortgage you will be able to afford - but it's also valuable to talk with us. That way, we will help you get your pre-qualification letter. Next, we can consider your mortgage program options and be sure you are in the right one. Contact us at (808) 935-0678 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at (808) 935-0678. It's our job to answer pre-qualification questions, so we're happy to help!

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