Why Pre-Qualification is Important

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It's valuable to visit with a mortgage loan pro first, even if you haven't settled on the kind of home you hope to find. Why? It may be hard to understand the ways in which we can help even before you begin to negotiate.

We Will Help You Pre-Qualify

When we pre-qualify you, we help you find out how much of a monthly payment you can afford, and the loan amount you will qualify for. We can do this by analyzing your income and debts, your employment and housing situations, the available funds for a down payment, required reserves, and other financial considerations. We will ask for a minimum amount of paperwork, with a quick process.

Once you are considered eligible, we will prove our confidence in your ability to qualify for a mortgage by giving you a Pre-Qualification Letter (also called a "pre-qual").

Power in the Pre-Qual

When you locate a house that is right for you, and you decide to make an offer, being pre-qualified for a mortgage loan will do several things. The first is that you can be sure what you will be able to afford when determining the offer. Your pre-qualification will also make your offer look even better to the home seller, as if you were bringing them a suitcase of cash! They will not need to worry that they are wasting their time if you don't be able to qualify for a high enough mortgage. The seller of the home won't worry if he can trust you to qualify for your loan.Your qualifying for your needed 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

Our mortgage professionals will help you determine how much of a loan you can qualify for and the monthly payment amount you are able to afford by helping you pre-qualify. The process walks you through your financial situation - your debt, income, career, cash available for down payment, among other things. We as for a minimum amount of paperwork, with a quick process.

Face to Face

While you can benefit from our tools to calculate mortgage variables on our website, it's essential to meet with one of our mortgage professional team members. That way, we will be able to help you get your pre-qualification letter. Next, we can review your mortgage loan choices to make sure you are in the right one. Contact us at (925) 271-7387 to get started.

Have questions about pre-qualifying? Call us at (925) 271-7387. We answer pre-qualification questions every day.