Why Pre-Qualification is Important

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It can be valuable to visit with a mortgage professional first, even if you haven't decided what sort of home to search for. What for? Maybe it is hard to understand the ways we could help even before you start to calculate your offer.


We will help you see how much of a mortgage you can afford, and the amount of money you can borrow, by walking you through the pre-qualification process. In the process, we look at your ability to borrow - looking at your earning status, money available for down payment, debts, income, and other circumstances. It's short and basic; We take pride in keeping the paperwork light.

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

Buying Power

Holding your pre-qualification letter, a number of advantages fall at your feet at the point you locate the house you want to put together an offer on. First, you have some definite numbers in mind, as the amount you will qualify for on your mortgage loan. Even more important to the seller of the home, your pre-qualification status gives them certainty - as if you had entered their house with a bag of cash to make the offer! They won't need to worry that they have been wasting their time if you can't be able to qualify for a high enough mortgage loan. The seller of the home won't be concerned that he won't be able to trust you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed mortgage loan amount won't be something for them to lose sleep over. You have the ability to back your offer up.

We will help you with your pre-qualification

We can help you calculate how much of a mortgage you can afford, and how much money you can borrow, by walking you through the pre-qualification process. We accomplish this by considering your income and debts, your employment and residence situations, your funds available for a down payment, required reserves, and other considerations. We will require a minimum amount of paperwork, and avoid a lengthy process.

Face to Face

While you can benefit from our tools to calculate mortgage variables on this website, it is essential to meet with one of our mortgage professional team members. For one thing, you will want a Pre-Qualification Letter! Next, we can study your loan choices to be sure you are in the best one. We're waiting 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.
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