The Importance of Pre-Qualifying

Are you looking for a mortgage loan? We will be glad to assist you! Give us a call at (808) 935-0678. Ready to begin? Apply Here.

Even if you have not picked out houses to visit yet, it can be valuable to contact your mortgage loan professional first. Why? What can we do for you before you have negotiated a purchase amount, and don't know yet how much you need to borrow?

Pre-Qualify

Our mortgage professionals can help you find out how much of a loan you can qualify for and the monthly payment amount you can afford by getting you pre-qualified. The process outlines your finances - your debt, income, employment, and cash available for down payment, among other things. It's short and to the point; We take pride in keeping the paperwork to a minimum.

Once you are considered eligible, we document our confidence in your ability to qualify for a mortgage by presenting you with a Pre-Qualification Letter (also known as a "pre-qual").

Power in the Pre-Qual

A number of beneifits open to you after you find your next house, and have pre-qualification power. The first is that you'll know the amount you'll be able to afford when putting together the offer. Being pre-qualified also will make your offer look even better to the home seller, as if you were bringing them a big box of cash! They need not worry that that they have been wasting their time if you won't be able to be able 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 cause them concern. They have a virtual guarantee that they can trust your ability to back up your offer.

We will help you pre-qualify

When we pre-qualify you, we help you find out the amount you can afford in monthly mortgage payments you can afford, and the loan amount you will qualify for. This process outlines your finances - your debt, income, career, down payment money, among other things. We as for a minimum amount of paperwork, and avoid a lengthy process.

One-on-One

It's important to sit down and meet with us, even though you are welcome to also try the helpful mortgage calculator tools on this site. We can begin getting your pre-qualification letter. For another thing, we may find a different mortgage option that better fits your needs. Let us help you get started: Call us at (808) 935-0678.

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.

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