The Importance of Pre-Qualification

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Even if you haven't so much as narrowed down homes to visit yet, it's important to visit with your mortgage loan professional first. Why? Perhaps it's difficult to understand the ways we can help even before you begin to calculate your offer.

We Will Help You Pre-Qualify

When we pre-qualify you, we help you figure out how much of a monthly mortgage payment you can fit in your budget, and the loan amount you can qualify for. During this process, we explore your borrowing potential - looking at your earning status, available money for down payment, debt, income, and other areas. It's a quick, thorough process with minimal risks for papercuts.

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

Power in the Pre-Qual

Once you locate a house that catches your eye, and you decide to put together an offer, being pre-qualified for a mortgage will do several things. The first is that you can be sure what you'll be able to afford when determining your offer. Even more important to the seller, your pre-qualification gives them certainty - as if you'd come to their house with a suitcase of cash to make the offer! They will not have to worry that that they have been wasting their time if you do not be able to qualify for a big enough mortgage. The seller won't be concerned that he can't count on you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed loan amount will not cause them concern. You have the capability to back your offer up.

We will help you with your pre-qualification

We will help you calculate how much of a mortgage loan you can afford, and the amount of money you can borrow, by walking you through the pre-qualification process. The process takes you through your financial situation - your debts, income, career, cash available for down payment, among other things. It's a quick, thorough process with minimal risks for papercuts.

One on one

You can certainly use the calculators on this website to get an idea of how much mortgage you can afford - but it's also valuable to talk with one of our mortgage professionals. We can work toward your pre-qualification letter. Next, we can consider your mortgage options and be sure you have selected the best one. Let us get you 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.