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The Importance of Pre-Qualifying

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Even if you haven't so much as picked out houses to visit yet, it is important to see your mortgage loan professional first. What for? It may be difficult to understand the ways in which we can help even before you begin to negotiate.

Pre-Qualify

We can help you calculate the loan amount you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. This process takes you through your current financial situation - your debt, income, employment, and down payment money, among other things. It's quick and to the point; We take pride in keeping the paperwork to a minimum.

When you qualify, we present to you a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), which documents the fact that we are helping you to find the best mortgage to meet your situation and that we are confident you will qualify for a mortgage up to a certain amount.

Power in the Pre-Qual

When you find the house that is best for you, and you want to put together an offer, being pre-qualified for a mortgage loan will do several things. The first is that you can know the amount you'll be able to afford when putting together the offer. Your pre-qualification also will make your offer more attractive to the home seller, like you were bringing them a big box of cash! They will not need to worry that 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 be concerned that he can't count on you to qualify for your loan.Your qualifying for the necessary mortgage loan amount will not be something for them to lose sleep over. You have the clout of a buyer ready to make the deal right now!

We will help you with your pre-qualification

Our mortgage professionals will help you find out how much of a loan you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. The process outlines your finances - your debt, income, career, cash available for down payment, among other things. We will require a minimum amount of paperwork, with a short, basic process.

One on one

While you can try our mortgage calculators on this website, it will be essential to meet with one of our mortgage professional team members. For one thing, you will want a Pre-Qualification Letter! Then, we can make sure we have chosen the best mortgage program for your situation. Contact us at 919-787-6080 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at 919-787-6080. AccessOne Mortgage answers pre-qualifying questions every day.