Why Pre-Qualify?

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Even if you haven't researched homes to visit yet, it can be valuable to contact your mortgage professional first. Why? If you do not yet know how much house you want to qualify for, what can we do for you?

We Can Help You Pre-Qualify

When we pre-qualify you, we help you determine the amount in monthly payments you can afford, and how much we of a loan you will qualify for. We can achieve this by considering your income and debts, your work and residence situations, the available funds for a down payment, required reserves, and some other things. We will ask for a minimum amount of paperwork, with a short,basic process.

When you are considered eligible, we prove our confidence in your ability to qualify for a mortgage loan by giving you a Pre-Qualification Letter (also known as a "pre-qual").

Buying Power

Holding your pre-qualification letter, a number of advantages fall at your feet once you find the house you want to put together an offer for. First, it lets you know how much you can offer. Even more important to the seller of the house, your pre-qualification letter gives them confidence - as if you'd come to their house with a bag of cash to back up the offer! They need not wonder if that they are 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 trust you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary mortgage loan amount won't cause them concern. You have the sway of a buyer ready to make the purchase right now!

We help with your pre-qualification

Our mortgage professionals will help you calculate how much of a loan you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. We achieve this by reviewing your income and debts, your work and housing circumstances, your available funds for down payment, required reserves, and other considerations. It's a short, thorough process with minimal risks for papercuts.

One on one

It is important to sit down and talk with us, even though you are free to also use the helpful mortgage loan calculators on this website. We can work toward your pre-qualification letter. Then, we will make sure we have the right mortgage program for you. Contact us at (808) 935-0678 to get started.

Have questions about pre-qualifying? Call us at (808) 935-0678. Family Mortgage Company of Hawaii, Inc. NMLS #244497 answers pre-qualifying questions every day.