Why it's Important to Pre-Qualify

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It can be valuable to see a mortgage professional early, even if you haven't settled on the sort of home to search for. Why? What can we do for you before you have made an offer, and don't yet know the amount you need to borrow?

We Can Help You Pre-Qualify

We can help determine how much of a mortgage you can afford, and how much money you can borrow, by taking you through the pre-qualification process. The process outlines your financial situation - your debt, income, career, and down payment money, among other things. It's a quick, thorough process with minimal risks for papercuts.

Once you are determined to be eligible, we prove our confidence in your capacity to qualify for a loan by presenting you with a Pre-Qualification Letter (also known as a "pre-qual").

Power in the Pre-Qual

With your pre-qualification letter, a number of advantages fall at your feet at the point you locate the home you want to put together an offer on. First of all, you have some general numbers in mind, as the total you can borrow. More important to the home seller, your pre-qualification is like your having entered their house with a bag full of cash to purchase their home! They won't need to worry that they have been wasting their time if you can't have the ability to qualify for a big enough mortgage loan. The seller of the home won't be concerned that he can't count on you to qualify for your mortgage in the amount you will need.Your qualifying for your needed loan amount won't be something for them to fret over. They have a virtual guarantee that they can trust your ability to back up your offer.

We will help you with your pre-qualification

We will help you see how much of a mortgage you can afford, and how much money you can borrow, by taking you through pre-qualifying. This process outlines your finances - your debts, income, employment, cash available for down payment, among other things. It is a short, thorough process with minimal risks for papercuts.

Face to Face

You can certainly use the calculators here on this site to get an idea of how much mortgage you will be able to afford - but it's also valuable to meet with us. That way, we'll be able to help you get your pre-qualification letter. Then, we can make sure we have found the right mortgage program for your situation. Contact us at (901) 861-8022 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at (901) 861-8022. It's our job to answer pre-qualification questions, so we're happy to help!