The Importance of Pre-Qualification

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Even if you have not picked out houses to view yet, it's valuable to see your mortgage pro early. Why? What can we do for you if you have not made an offer, and don't yet know the amount you need to borrow?

Pre-Qualify

Our mortgage professionals can help you find out the loan amount you can qualify for and the monthly payment amount you are able to afford by getting you pre-qualified. We accomplish this by considering your debts and income, your work and residence situations, your funds available for a down payment, required reserves, and other considerations. It's quick and basic; We keep the paperwork to a minimum.

We give you a Pre-Qualification Letter after you qualify, which documents that we are confident you'll qualify for a certain amount of mortgage dollars.

Power in the Pre-Qual

A number of advantages open to you after you've found your dream house, and have pre-qualification. First, it lets you know the amount that you're able to offer. More important to the existing home owner, your pre-qualification is like your having entered their house with a suitcase full of cash to make the deal! They will not have to be concerned that they have been wasting their time if you can't be able to qualify for a big enough mortgage. The seller of the home 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 loan amount won't be something for them to be concerned about. They have a virtual guarantee that they can trust your ability to back up your offer.

We can help you pre-qualify

Our mortgage professionals can help you determine the loan amount you can qualify for and the monthly payment amount you can afford by helping you pre-qualify. We do this by considering your debts and income, your work and housing situations, the 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 vital to sit down and talk with us, even though you are welcome to also use the helpful mortgage loan calculators on this site. We can begin working on your pre-qualification letter. Next, we can review your mortgage loan choices to be sure you are in the best one. Let us help you get started: Contact us at (808) 935-0678.

Have questions about pre-qualifying? Call us at (808) 935-0678. It's our job to answer pre-qualification questions, so we're happy to help!