Why it's Important to Pre-Qualify

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Even if you have not picked out houses to view yet, it is valuable to see your mortgage loan professional first. Why? How can we help you before you have made your offer, and do not know yet the amount you need to borrow?

We Can Help You Pre-Qualify

We can help determine how much of a mortgage loan you can afford, and the amount of money you can borrow, by taking you through the pre-qualification process. During this process, we explore your ability to borrow - reviewing your earning status, money available for down payment, debts, income, and other areas. It is a quick, thorough process with minimal risks for papercuts.

We award you a Pre-Qualification Letter if you qualify, which states that we're confident you will qualify for a specific amount of mortgage dollars.

Power in the Pre-Qual

Armed with your pre-qualification letter, some advantages are yours when you find the house you want to make an offer on. The first is that you can know what you can afford when calculating your offer. Even more important to the seller of the home, your pre-qualification letter gives them certainty - as if you'd come into their house with a big box of cash to make the offer! They need not wonder if that they're wasting their time if you do not be able to qualify for a big enough mortgage loan. The seller won't wonder if he can count on you to qualify for your loan.Your qualifying for your needed loan amount won't be something for them to worry about. You'll have the sway of a buyer ready to make the deal right now!

We will help you with your pre-qualification

Our mortgage professionals will help you calculate how much of a loan you can qualify for and the monthly payment amount you can afford by getting you pre-qualified. The process outlines your finances - your debts, income, job, down payment money, among other things. It's short and basic; and we take pride in keeping the paperwork light.

Face to Face

You can always use the mortgage calculators on our website to calculate the size mortgage you can afford - but it's also valuable to meet with one of our mortgage professionals. For one thing, you will want a Pre-Qualification Letter! Next, we can consider your mortgage choices and be sure you have chosen the right one. We're eager to meet with you: contact us at 530-885-1545.

Have questions about pre-qualifying? Call us at 800-530-9421. We answer pre-qualification questions every day.