Why it's Important to Pre-Qualify

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It is valuable to visit with a mortgage loan pro early, even before you've decided the kind of house to search for. What for? Maybe it's difficult to understand the ways in which we could help even before you start to calculate your offer.

We Can Help You Pre-Qualify

We will help determine how much of a mortgage you can afford, and how much money you may be able to borrow, by taking you through the pre-qualification process. In this process, we explore your ability to borrow - looking at your employment, money available for down payment, debt, income, and other areas. It's quick and to the point; We keep the paperwork to a minimum.

Once you are determined to be eligible, we will prove our confidence in your capacity to qualify for a mortgage by awarding you a Pre-Qualification Letter (also known as a "pre-qual").

Buying Clout

Holding your pre-qualification letter, a number of advantages fall at your feet at the point you find the home you want to put together an offer on. The first is that you can be sure the amount you'll be able to afford when putting together the offer. Being pre-qualified can also make your offer more attractive to the seller, like you were bringing them a suitcase of cash! They will not have to be concerned they have been wasting their time if you will not have the ability to qualify for a big enough mortgage loan. The seller won't worry if he can trust you to qualify for your loan.Your qualifying for the necessary mortgage loan amount will not be something for them to be concerned about. They have a virtual guarantee that they can trust your buying power.

We can help you pre-qualify

We can help you determine how much of a loan you can qualify for and the monthly payment amount you can afford by getting you pre-qualified. We can do this by considering your income and debts, your employment and housing circumstances, your funds available for down payment, required reserves, and some other things. It's quick and basic; and we take pride in keeping the paperwork light.

One on one

You can always use the calculators available on our website to get an idea of how much mortgage you will be able to afford - but it's also valuable to meet with us. That way, we will help you get your pre-qualification letter. For another thing, we might locate a different mortgage option that fits your needs better. We're waiting to meet with you: contact us at (808) 935-0678.

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