Why Pre-Qualification is Important

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It is valuable to bring in your mortgage professional as soon as possible — even before you have started researching neighborhoods. What for? Perhaps it's hard to understand how we can help even before you start to talk about prices and negotiations.

Pre-Qualify

When we pre-qualify you, we help you decide the amount in monthly payments you can fit in your budget, and the loan amount you will qualify for. We will do this by reviewing your debts and income, your work and residence situations, your funds available for down payment, required reserves, and some other things. It's a quick, thorough process with minimal risks for papercuts.

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

Pre-Qualification Power

Armed with your pre-qualification letter, some advantages fall at your feet once you find the home you want to put together an offer for. First, it helps you know how much you're able to offer. Having pre-qualification can also make your offer look even better to the seller, like you were bringing them a suitcase full of cash! They won't have to wonder if they're wasting their time if you don't be able to qualify for a big enough mortgage. The seller won't worry if he can count on you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary loan amount won't cause them concern. You have the ability to back your offer up.

We will help you pre-qualify

We will help you find out the loan amount you can qualify for and the mortgage payment amount you can afford by getting you pre-qualified. This process outlines your financial situation - your debts, income, job, down payment money, among other things. We require a minimum amount of paperwork, and avoid a lengthy process.

Face to Face

You can certainly use the mortgage calculators on our site to calculate how much mortgage you can afford - but it's also valuable to talk with us. That way, we will help you get your pre-qualification letter. For another thing, we may be able to find a different mortgage loan option that better fits your needs. Contact us at 678-992-0100 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at 678-992-0100. We answer pre-qualification questions every day.