When to Talk to a Mortgage Professional

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It is important to consult your mortgage professional early — even before you have started to consider neighborhoods. Why? Maybe it is hard to fathom the ways we can help even before you begin to negotiate.

We Will Help You Pre-Qualify

We can help determine how much of a mortgage you can afford, and the amount of money you can borrow, by walking you through pre-qualifying. In the process, we determine your capacity to borrow - reviewing your employment, money available for down payment, debts, income, and other circumstances. We will ask for a minimum amount of paperwork, with a quick process.

We'll award you a Pre-Qualification Letter when you qualify, that states that we are confident you'll qualify for a certain amount of mortgage dollars.

Pre-Qual Power

After you locate the house that catches your eye, and you decide to make an offer, being pre-qualified for a loan will do a number of things. The first is that you'll know the amount you can afford when putting together the offer. Even more important to the seller of the home, your pre-qualification status gives them certainty - as if you had entered their house with a bag of cash to back up the offer! They won't need to wonder if they are wasting their time if you will not be able to qualify for a high 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 lose sleep over. You have the capability to back your offer up.

We help with your pre-qualification

We can help you find out how much of a loan you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. We accomplish this by reviewing your debts and income, your work and residence circumstances, the available funds for a down payment, required reserves, and other financial considerations. It is a quick, thorough process with minimal risks for papercuts.

Face to Face

It is vital to sit down and talk with us, even though you are free to also try the helpful mortgage loan calculators on our site. That way, we will help you get your pre-qualification letter. Then, we'll make sure we have selected the best mortgage loan program for your situation. Let us get you started: Contact us at (808) 935-0678.

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!