Why it's Important to Pre-Qualify
![](/graphics/clipart/agents/2x2trans.gif) |
![](/graphics/clipart/agents/2x2.gif) |
![](/graphics/clipart/agents/Callout_Tab.gif) |
Looking for a mortgage loan? We will be glad to assist you! Give us a call at 8132007931. Ready to get started? Apply Now.
|
|
|
![](/graphics/clipart/agents/2x2trans.gif) |
![](/graphics/clipart/agents/2x2.gif) |
Even if you have not so much as narrowed down homes to visit yet, it can be important to contact your mortgage loan professional first. Why? It might be hard to understand the ways we can help even before you start to negotiate.
Pre-Qualify
We will help you determine how much of a loan you can qualify for and the monthly payment amount you are able to afford by helping you pre-qualify. We can do this by considering your debts and income, your employment and residence situations, the funds available for down payment, required reserves, and other financial considerations. It is a short, thorough process with minimal risks for papercuts.
Once you are determined to be eligible, we prove our confidence in your ability to qualify for a mortgage by giving you a Pre-Qualification Letter (also known as a "pre-qual").
Power in the Pre-Qual
Once you locate a house that is right for you, and you want to make an offer, being pre-qualified for a mortgage loan will do several things. The first is that you'll know what you'll be able to afford when putting together the offer.
Having pre-qualification can also make your offer look even better to the home seller, like you were bringing them a suitcase full of cash! They need not be concerned they're wasting their time if you won't be able to be able to qualify for a high enough mortgage. The seller of the home won't be concerned that he can't trust you to qualify for your loan.Your qualifying for your needed mortgage loan amount won't be something for them to be concerned about. They have a virtual guarantee to trust your buying power.
We help with your pre-qualification
We will help determine how much of a mortgage you can afford, and the amount of money you can borrow, by taking you through the pre-qualification process. This process takes you through your current financial situation - your debts, income, employment, down payment money, among other things. We will ask for a minimum amount of paperwork, and avoid a lengthy process.
![](http://qamortgageshane.qamortgagexsites.com/graphics/clipart/Mortgage/talkToMortgagePro.jpg)
One-on-One
While you can benefit from our mortgage calculators on this website, it is essential to sit down and talk with us. That way, we'll be able to help you get your pre-qualification letter. Next, we can consider your loan choices and make sure you have selected the right one. Contact us at 8132007931 to get your pre-qualification process started.
Have questions about pre-qualifying? Call us at 8132007931. We answer pre-qualification questions every day.