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Why it's Important to Pre-Qualify

Are you looking for a new mortgage? We can help! Call us at (800) 763-7154 EXT 3. Ready to get started? Apply Now.

It's helpful to consult with your mortgage professional as soon as possible — even before you've begun narrowing down neighborhoods. What for? When you don't yet know how much home you need to qualify for, how can we help?


When we pre-qualify you, we help you figure out the amount in mortgage payments you can fit in your budget, and the loan amount you will qualify for. We can do this by reviewing your income and debts, your work and housing situations, your available funds for a down payment, required reserves, and some other things. We require a minimum amount of paperwork, and avoid a lengthy process.

After you are determined to be eligible, we will prove our confidence in your ability to qualify for a loan by awarding you a Pre-Qualification Letter (also known as a "pre-qual").

Buying Clout

Some benefits open to you once you've found your next house, and have pre-qualification power. The first is that you will be sure what you'll be able to afford when calculating the offer. Of greater importance to the home seller, your pre-qualification is like your having walked into their house with a suitcase full of cash to make the deal! They will not have to wonder if they're wasting their time if you don't be able to qualify for a high enough mortgage. The seller won't worry if he can trust you to qualify for your loan.Your qualifying for the necessary loan amount will not be something for them to fret over. You have the capability to back up your offer.

We will help you pre-qualify

Our mortgage professionals will help you find out the loan amount you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified. During the process, we explore your ability to borrow - reviewing your job, money available for down payment, debts, income, and other areas. It's a quick, thorough process with minimal risks for papercuts.


While you are able to try our mortgage calculators on our site, it's essential to sit down and talk with us. For one thing, you will need a Pre-Qualification Letter! Next, we can consider your mortgage program options and be sure you are in the right one. Contact us at (800) 763-7154 EXT 3 to get started.

Have questions about pre-qualifying? Call us at (800) 763-7154 EXT 3. 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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Tell us about your credit history.