Why Pre-Qualify?

It's important to visit with a mortgage loan pro early, even before you've determined the sort of home you hope to find. What for? How can we help before you have made your offer, and do not know yet how much you need to borrow?

Pre-Qualify

We will help you see how much of a mortgage you can afford, and the amount of money you can borrow, by taking you through the pre-qualification process. We achieve this by considering your income and debts, your employment and residence circumstances, your available funds for down payment, required reserves, and other considerations. It's quick and to the point; We take pride in keeping the paperwork light.

At the point you are determined to be eligible, we document our confidence in your ability to qualify for a mortgage by giving you a Pre-Qualification Letter (also known as a "pre-qual").

Buying Power

Armed with your pre-qualification letter, a number of advantages are yours when you find the house you want to make an offer for. First, you have some concrete numbers in mind, as the amount you can borrow. Being pre-qualified also will make your offer more attractive to the home seller, like you were bringing them a bag full of cash! They will not have to worry that that they are wasting their time if you will not be able to qualify for a big enough mortgage. The seller won't worry if he can trust you to qualify for your loan.Your qualifying for the necessary loan amount won't cause them concern. You have the capability to back your offer up.

We help with your pre-qualification

We will help determine how much of a mortgage loan you can afford, and how much money you may be able to borrow, by taking you through pre-qualifying. In the process, we look at your borrowing capacity - looking at your earning status, money available for down payment, debts, income, and other areas. We require a minimum amount of paperwork, with a short, basic process.

One on one

You can always use the calculators available on this site to calculate the size mortgage you can afford - but it's also essential to talk with one of our mortgage professionals. For one thing, you will want a Pre-Qualification Letter! Next, we can review your mortgage options to make sure you are in the right one. Let us help you get started: Call us at (310) 378-2858.