The Importance of Pre-Qualification

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It is helpful to visit with a mortgage professional first, even before you've determined what sort of home to look for. Why? What can we do for you if you have not negotiated a purchase amount, and don't yet know how much you need to borrow?

We Will Help You Pre-Qualify

Our mortgage professionals will help you determine the loan amount you can qualify for and the monthly payment amount you are able to afford by getting you pre-qualified. This process outlines your current financial situation - your debt, income, career, and down payment money, among other things. We will ask for a minimum amount of paperwork, with a quick process.

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

Buying Power

When you locate the house that is best for you, and you want to put together an offer, being pre-qualified for a mortgage loan will do a couple of things. First, it lets you know the amount that you're able to offer. Your pre-qualification will also make your offer more attractive to the seller, like you were bringing them a suitcase of cash! They will not need to wonder if that they have been wasting their time if you can't be able to qualify for a big enough mortgage loan. The seller of the home won't be concerned that he can't trust you to qualify for your loan.Your qualifying for the necessary mortgage loan amount will not cause them concern. You have the capability to back up your offer.

We help with your pre-qualification

When we pre-qualify you, we help you find out how much of a monthly mortgage payment you can afford, and the size of loan you can qualify for. This process walks you through your financial situation - your debts, income, employment, cash available for down payment, among other things. It's short and to the point; and we take pride in keeping the paperwork to a minimum.

One-on-One

While you are able to try our mortgage calculators on our website, it's a good idea to meet with one of our mortgage professional team members. For one thing, you will want a Pre-Qualification Letter! Then, we can make sure we have the right mortgage program for you. Contact us at 303-931-7879 to get started.

Have questions about pre-qualifying? Call us at 303-931-7879. We answer pre-qualification questions every day.