The Importance of Pre-Qualification

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It's helpful to see a mortgage professional early, even before you've determined what type of house you hope to find. What for? How can we help if you haven't made an offer, and do not know yet how much you need to borrow?


We will help you determine the loan amount you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified. During this process, we calculate your borrowing power - looking at your earning status, money available for down payment, debt, income, and other circumstances. We will ask for a minimum amount of paperwork, with a quick process.

We give you a Pre-Qualification Letter when you qualify, which states that we're confident you'll qualify for up to a predetermined amount of mortgage loan dollars.

Buying Clout

When you locate the house that meets your needs, and you want to make an offer, being pre-qualified for a loan will do a couple of things. First, you have some concrete numbers in mind, as the amount you will qualify for on your mortgage loan. 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 will not need to be concerned they are wasting their time if you won't be able to have the ability to qualify for a big enough mortgage. The seller of the home won't be concerned that he won't be able to count on you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary mortgage loan amount will not be something for them to be concerned about. You can have the clout of a buyer ready to make the deal on the spot!

We will help you pre-qualify

Our mortgage professionals can help you calculate how much of a loan you can qualify for and the monthly payment amount you are able to afford by helping you pre-qualify. In this process, we look at your ability to borrow - looking at your job, money available for down payment, debts, income, and other circumstances. We as for a minimum amount of paperwork, with a short, basic process.

One on one

It's important to sit down and meet with us, even though you are free to also use the helpful mortgage calculators on our site. That way, we can help you get your pre-qualification letter. Next, we can consider your loan choices to be sure you have found the right one. Let us help you get started: Contact us at (808) 935-0678.

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

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