Why it's Important to Pre-Qualify

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It is important to bring in your mortgage loan professional early — even before you've started narrowing down neighborhoods. Why? Maybe it is difficult to understand the ways we could help even before you begin to talk about prices and negotiations.


We can help you calculate how much of a mortgage you can afford, and the amount of money you can borrow, by walking you through the pre-qualification process. We will accomplish this by reviewing your income and debts, your work and housing circumstances, your available funds for a down payment, required reserves, and other financial considerations. It's short and to the point; We take pride in keeping the paperwork light.

When you qualify, we present to you what's called a Pre-Qualification Letter (your real estate agent may refer to it as a "pre-qual"), that says that we are helping you to find the ideal mortgage to meet your situation and that we are confident you will qualify for a mortgage up to a specific amount.

Buying Clout

With your pre-qualification letter, a number of advantages are yours at the point you locate the house you want to make an offer for. The first is that you can know the amount you will be able to afford when putting together your offer. Having pre-qualification also will make your offer more attractive to the home seller, as if you were bringing them a suitcase full of cash! They need not be concerned that they have been wasting their time if you will not be able to qualify for a high enough mortgage. The seller won't be concerned that he can't trust you to qualify for your loan.Your qualifying for the necessary loan amount won't 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 the loan amount you will qualify for. We can accomplish this by reviewing your debts and income, your employment and residence circumstances, the funds available for a down payment, required reserves, and other considerations. It's short and to the point; and we keep the paperwork light.

Face to Face

It's important for you to sit down and talk with us, even though you are free to also try the helpful mortgage loan calculator tools on our website. That way, we can help you get your pre-qualification letter. For another thing, we could find a different mortgage option that is a better fit for you. We're waiting to meet with you: contact us at (972) 292-0448.

Have questions about pre-qualifying? Call us at (972) 292-0448. We answer pre-qualification questions every day.

Basic Pre-Approval

Get the Best Mortgage Rate! Tell us a little about your current needs and we can use that information to match you with just the right loan.

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