Why Pre-Qualification is Important

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It can be valuable to see a mortgage loan pro first, even before you have decided what type of house you hope to find. Why? What can we do for you before you have negotiated a price, and don't yet know how much you need to borrow?

We Will Help You Pre-Qualify

When we pre-qualify you, we help you determine the amount in mortgage payments you can fit in your budget, and how much we of a loan you will qualify for. The process outlines your current financial situation - your debts, income, employment, and cash available for down payment, among other things. It's short and to the point; We keep the paperwork light.

We will award you a Pre-Qualification Letter once you qualify, which says that we're confident you'll qualify for up to a specific amount of mortgage dollars.

Pre-Qual Power

Some beneifits open to you once you've found your next house, and have achieved pre-qualification. First of all, you have some concrete numbers in mind, as the amount you will qualify for with your mortgage. Having pre-qualification can also make your offer look even better to the home seller, as if you were bringing them a big box of cash! They won't need to worry that they have been wasting their time if you will not have the ability to qualify for a high enough mortgage. The seller won't be concerned that he won't be able to 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 to trust your ability to back up your offer.

We can help you pre-qualify

We can help you find out the loan amount you can qualify for and the mortgage payment amount you can afford by helping you pre-qualify. In this process, we look at your borrowing potential - analyzing your employment, money available for down payment, debts, income, and other areas. It is a short, thorough process with minimal risks for papercuts.


You can certainly use the mortgage calculators on our site to calculate the size mortgage you can afford - but it's also essential to talk with us. For one thing, you'll want a Pre-Qualification Letter! For another thing, we might locate a different mortgage program that is a better fit for you. We're waiting to hear from you: call 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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