Why Pre-Qualify?

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Even if you've not narrowed down homes to view yet, it can be important to see your mortgage loan professional early. Why? When you do not yet know how much house you want to qualify for, how can we help?

We Can Help You Pre-Qualify

We can help you see how much of a mortgage loan you can afford, and the amount of money you can borrow, by walking you through the pre-qualification process. The process outlines your current financial situation - your debt, income, job, and down payment money, among other things. It's short and basic; We keep the paperwork light.

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

Pre-Qualification Power

A number of benefits open to you when you have found your next house, and have pre-qualification. First, it helps you know how much you can offer. Even more important to the seller of the home, your pre-qualification gives them confidence - as if you had arrived at their home with a suitcase of cash to make the offer! They will not need to be concerned that they're wasting their time if you won't be able to have the ability to qualify for a big enough mortgage. The seller of the home won't wonder if he can trust you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed loan amount won't be something for them to lose sleep over. You'll have the sway of a buyer ready to make the purchase right now!

We can help you pre-qualify

We will help you see how much of a mortgage loan you can afford, and the amount of money you will be able to borrow, by taking you through the pre-qualification process. We can achieve this by analyzing your income and debts, your work and residence situations, the funds available for down payment, required reserves, and other considerations. We require a minimum amount of paperwork, with a short, basic process.

One-on-One

While you are able to try our mortgage calculators on our website, it will be a good idea to sit down and talk with one of our mortgage professional team members. For one thing, you will need a Pre-Qualification Letter! For another thing, we could find a different mortgage loan option that better fits your needs. Contact us at (949) 337-0924 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at (949) 337-0924. We answer pre-qualification questions every day.