Why Pre-Qualification is Important

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Even if you have not narrowed down homes to view yet, it is valuable to visit with your mortgage pro first. What for? If you do not yet know how much house you need to qualify for, what could we help you with?

We Will Help You Pre-Qualify

We will help you calculate the loan amount you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. This process takes you through your current financial situation - your debt, income, career, and down payment money, among other things. We will require a minimum amount of paperwork, with a short,basic process.

After you are determined to be eligible, we will prove our confidence in your potential to qualify for a mortgage by giving you a Pre-Qualification Letter (also called a "pre-qual").

Pre-Qual Power

Various beneifits open to you once you have found your dream house, and have pre-qualification. First, it helps you know how much you can offer. Being pre-qualified also will make your offer more attractive to the home seller, like you were bringing them a big box of cash! They won't need to be concerned that they are wasting their time if you do not have the ability to qualify for a big enough mortgage. The seller won't be concerned that he won't be able to 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. They have a virtual guarantee to trust your buying power.

We will help you pre-qualify

We can help you calculate how much of a mortgage loan you can afford, and how much money you may be able to borrow, by taking you through the pre-qualification process. During this process, we look at your ability to borrow - analyzing your job, money available for down payment, debt, income, and other areas. It's a short, thorough process with minimal risks for papercuts.


It is vital for you to sit down and meet with us, even though you are welcome to also utilize the helpful mortgage loan calculator tools on this site. For one thing, you will need a Pre-Qualification Letter! Then, we will make sure we have the ideal mortgage loan program for your situation. Contact us at 919-787-6080 to get started.

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