Why Pre-Qualify?

	Shopping for a mortgage loan? We can assist you! Call us at 919-787-6080. Want to get started? Apply Now.

It can be important to visit with a mortgage professional first, even if you haven't settled on what sort of home to look for. What for? It may be difficult to understand the way we can help even before you start to negotiate.

We Will Help You Pre-Qualify

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

Once you qualify, we give you a Pre-Qualification Letter (your real estate agent may refer to it as a "pre-qual"), that states that we are helping you to find the ideal loan to meet your situation and that we're confident you will qualify for a mortgage loan for up to a certain amount.

Buying Clout

Once you locate a house that catches your eye, and you want to make an offer, being pre-qualified for a loan will do a number of things. First, you have some definite numbers in mind, as the amount you will be able to borrow. Even more important to the seller, your pre-qualification letter gives them certainty - as if you had come into their house with a big box of cash to back up the offer! They will not need to be concerned they have been wasting their time if you won't be able to have the ability to qualify for a high enough mortgage loan. The seller won't be concerned that he can't trust you to qualify for your mortgage in the amount you will need.Your qualifying for your needed loan amount won't cause them concern. You have the influence of a buyer ready to make the deal on the spot!

We will help you with your pre-qualification

We can 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. This process walks you through your financial situation - your debt, income, job, cash available for down payment, among other things. It's short and basic; and we keep the paperwork light.

One-on-One

While you are encouraged to benefit from our tools to calculate mortgage variables on this website, it is a good idea to meet with us. We can work toward your pre-qualification letter. For another thing, we may find a different mortgage program that fits your situation better. We're eager to hear from you: contact us at 919-787-6080.

Have questions about pre-qualifying? Call us at 919-787-6080. We answer pre-qualification questions every day.