Why Pre-Qualify?

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It's important to see a mortgage loan pro first, even before you've determined the sort of house you hope to find. Why? When you don't yet know how much house you need to qualify for, how could we help?

Pre-Qualify

Our mortgage professionals will help you find out how much of a loan you can qualify for and the monthly mortgage payment amount you are able to afford by getting you pre-qualified. We can accomplish this by considering your debts and income, your employment and housing situations, your funds available for down payment, required reserves, and some other things. It is a quick, thorough process with minimal risks for papercuts.

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

Buying Power

Several beneifits open to you when you find your new house, and have achieved pre-qualification power. First, it lets you know the amount that you are able to offer. Even more important to the existing owner, your pre-qualification letter gives them confidence - as if you had entered their house with a suitcase of cash to make the offer! They will not have to be concerned they are wasting their time if you don't be able to qualify for a high enough mortgage loan. The seller of the home won't worry if he can count on you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary loan amount won't cause them concern. You will have the sway of a buyer ready to make the purchase on the spot!

We will help you with your pre-qualification

We can help you see how much of a mortgage you can afford, and how much money you can borrow, by walking you through the pre-qualification process. We will do this by reviewing your debts and income, your work and housing situations, your available funds for down payment, required reserves, and some other things. It is a quick, thorough process with minimal risks for papercuts.

One-on-One

While you can try our tools to calculate mortgage variables on this website, it will be a good idea to sit down and talk with one of our mortgage professional team members. That way, we'll be able to help you get your pre-qualification letter. Next, we can consider your mortgage choices and be sure you have chosen the best one. Let us help you get started: Contact us at 805-636-9222.

Have questions about pre-qualifying? Call us at 805-636-9222. We answer pre-qualification questions every day.