Why Pre-Qualification is Important

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Even if you have not narrowed down houses to visit yet, it can be important to see your mortgage loan professional first. Why? It might be hard to fathom the way we could help even before you start to talk about prices and negotiations.


When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can fit in your budget, and the loan amount you can qualify for. During this process, we determine your capacity to borrow - analyzing your earning status, money available for down payment, existing debt, income, and other areas. It's quick and basic; We keep the paperwork light.

Once you qualify, we give you a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), that documents the fact that we are partnering with you to find the best mortgage loan to meet your situation and that we are confident you will qualify for a loan for a specific amount.

Buying Clout

After you find a house that is ideal for you, and you decide to put together an offer, being pre-qualified for a mortgage will do a couple of things. First, it lets you know how much you're able to offer. Even more important to the seller of the home, your pre-qualification gives them confidence - as if you had come to their home with a big box of cash to make the offer! They won't have to wonder if that they are wasting their time if you do not be able to qualify for a big enough mortgage loan. The seller of the home won't be concerned that he won't be able to count on you to qualify for your loan.Your qualifying for your needed mortgage loan amount won't cause them concern. You have the capability to back your offer up.

We help with your pre-qualification

We can help you see how much of a mortgage loan you can afford, and how much money you can borrow, by walking you through pre-qualifying. The process outlines your financial situation - your debt, 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 here on this website to calculate how much mortgage you will be able to afford - but it's also important to talk with one of our mortgage professionals. That way, we will be able to help you get your pre-qualification letter. For another thing, we might find a different mortgage program that better fits your needs. We are eager to meet with you: call us at 407-834-3377.

Have questions about pre-qualifying? Call us at 407-834-3377. 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.

Tell us about your loan needs.
How can we get in touch with you?
Tell us about your credit history.