Why it's Important to Pre-Qualify

Shopping for a mortgage loan? We'd be thrilled to talk about your mortgage needs! Call us at (808) 935-0678. Want to get started? Apply Online Now.

It's important to see a mortgage professional early, even before you have determined what type of home to search for. What for? It may be hard to understand the ways we could help even before you begin to calculate your offer.

We Can Help You Pre-Qualify

When we pre-qualify you, we help you decide the amount in monthly payments you can fit in your budget, and how much we of a loan you can qualify for. The process leads you through your finances - your debts, income, career, and cash available for down payment, among other things. We will require a minimum amount of paperwork, and avoid a lengthy process.

We will award you a Pre-Qualification Letter if you qualify, that says that we are confident you'll qualify for a certain amount of mortgage dollars.

Pre-Qual Power

Holding your pre-qualification letter, some advantages fall at your feet when you locate the house you want to put together an offer for. First, you have some concrete numbers in mind, as the total you will be able to borrow. Even more important to the existing owner, your pre-qualification letter gives them confidence - as if you had entered their home with a bag of cash to back up the offer! They won't need to worry that that they're 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 can't count on you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary loan amount will not cause them concern. You can have the sway of a buyer ready to make the deal right now!

We help with your pre-qualification

When we pre-qualify you, we help you figure out how much of a monthly mortgage payment you can afford, and the size of loan you will qualify for. This process outlines your finances - your debt, income, job, cash available for down payment, among other things. We will require a minimum amount of paperwork, with a short, basic process.


It is important for you to sit down and talk with us, even though you are free to also use the helpful mortgage calculator tools on this website. That way, we'll be able to help you get your pre-qualification letter. Next, we can review your mortgage program choices and make sure you are in the right one. We are eager to hear from you: 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!

Got a Question?

Do you have a question? We can help. Simply fill out the form below and we'll contact you with the answer, with no obligation to you. We guarantee your privacy.

Your Information
Your Question
By checking the box, you agree that Family Mortgage Company of Hawaii, Inc. NMLS #244497 may call/text you about your inquiry, which may involve use of automated means and prerecorded/artificial voices.. Message/data rates may apply.