The Importance of Pre-Qualifying

It's valuable to see a mortgage loan pro first, even before you've determined the sort of home to look for. Why? How can we help before you have made your offer, and don't yet know the amount you want to borrow?

We Will Help You Pre-Qualify

We will help you find out the loan amount you can qualify for and the monthly mortgage payment amount you are able to afford by helping you pre-qualify. We achieve this by analyzing your income and debts, your employment and housing circumstances, your available funds for down payment, required reserves, and other financial considerations. We require a minimum amount of paperwork, with a quick process.

Once you qualify, will give you a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), which says that we are working with you to find the best mortgage loan to fit your needs and that we're confident you will qualify for a mortgage loan for a certain amount.

Power in the Pre-Qual

After you locate the house that meets your needs, and you decide to put together an offer, being pre-qualified for a mortgage loan will do several things. First, it helps you know how much you're able to offer. Your pre-qualification can also make your offer more attractive to the seller, like you were bringing them a suitcase full of cash! They will not need to wonder if they're wasting their time if you won't be able to be able to qualify for a big enough mortgage. The seller of the home won't worry if he can trust you to qualify for your loan.Your qualifying for your needed mortgage loan amount will not be something for them to be concerned about. They have a virtual guarantee to trust your ability to back up your offer.

We can help you pre-qualify

Our mortgage professionals will help you determine the loan amount you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. The process leads you through your finances - your debts, income, employment, down payment money, among other things. It's quick and to the point; and we keep the paperwork to a minimum.

Face to Face

You can always use the calculators on this site to get an idea of how much mortgage you can afford - but it's also valuable to meet with us. That way, we'll help you get your pre-qualification letter. For another thing, we could find a different mortgage option that better fits your needs. Let us help you get started: Call us at (925) 226-7130 or (209) 833-3338.

Have questions about pre-qualifying? Call us at (925) 226-7130 or (209) 833-3338. It's our job to answer pre-qualification questions, so we're happy to help!