Why Pre-Qualification is Important

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It's helpful to visit with a mortgage professional early, even before you have determined what type of home to search for. Why? If you do not yet know how much house you need to qualify for, what could we help you with?

We Can Help You Pre-Qualify

We can help you calculate how much of a loan you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. This process outlines your current financial situation - your debts, income, career, and cash available for down payment, among other things. It's quick and to the point; We keep the paperwork light.

Once you qualify, will give you a Pre-Qualification Letter (your real estate agent may refer to it as a "pre-qual"), which states that we are helping you to find the right mortgage to meet your financial needs and that we're confident you will qualify for a mortgage up to a specific amount.

Buying Clout

When you locate a house that meets your needs, and you want to put together an offer, being pre-qualified for a mortgage will do several things. First of all, you have some general numbers in mind, as the total you will be able to borrow. Even more important to the present owner, your pre-qualification letter gives them certainty - as if you'd arrived at their house with a big box of cash to make the offer! They need not worry that they have been wasting their time if you won't be able to have the ability to qualify for a high enough mortgage loan. The seller won't wonder if he can count on you to qualify for your loan.Your qualifying for the necessary mortgage loan amount will not cause them concern. They have a virtual guarantee that they can trust your buying power.

We will help you with your pre-qualification

When we pre-qualify you, we help you find out the amount you can afford in monthly payments you can fit in your budget, and how much we of a loan you will qualify for. We do this by reviewing your debts and income, your work and housing situations, the available funds for a down payment, required reserves, and other considerations. It's a short, thorough process with minimal risks for papercuts.

One-on-One

You can always use the mortgage calculators here on this site to get an idea of how much mortgage you'll be able to afford - but it's also important to talk with one of our mortgage professionals. For one thing, you'll need a Pre-Qualification Letter! Then, we will make sure we have the right mortgage program for your situation. Contact us at (808) 935-0678 to get started.

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!