Why Pre-Qualify?

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It's important to visit with a mortgage loan pro early, even if you haven't decided the kind of house to search for. What for? If you do not know yet how much home you want to qualify for, what can we help you with?

Pre-Qualify

We can help you calculate how much of a mortgage loan you can afford, and how much money you can borrow, by taking you through pre-qualifying. We do this by analyzing your debts and income, your work and residence situations, your funds available for down payment, required reserves, and some other things. We require a minimum amount of paperwork, with a short,basic process.

We'll give you a Pre-Qualification Letter after you qualify, which documents that we're confident you will qualify for a predetermined amount of mortgage loan dollars.

Buying Power

Holding your pre-qualification letter, a number of advantages are yours once you find the home you want to put together an offer for. The first is that you can know what you'll be able to afford when determining your offer. Being pre-qualified can also make your offer look even better to the home seller, like you were bringing them a suitcase of cash! They won't have to wonder if they have been wasting their time if you do not be able to qualify for a high enough mortgage. The seller won't be concerned that he can't trust you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed loan amount won't be something for them to be concerned about. You have the ability to back your offer up.

We help with your pre-qualification

Our mortgage professionals will help you determine how much of a loan you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. We achieve this by reviewing your debts and income, your work and housing circumstances, the available funds for down payment, required reserves, and other financial considerations. We require a minimum amount of paperwork, and avoid a lengthy process.

One-on-One

You can always use the mortgage calculators here on this website to calculate how much mortgage you'll be able to afford - but it's also essential to talk with one of our mortgage professionals. We can begin getting your pre-qualification letter. Next, we can review your mortgage loan choices to be sure you are in the right one. Contact us at (813) 200-7931 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at (813) 200-7931. Sky Apply Mortgage answers pre-qualifying questions every day.

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