Why Pre-Qualification is Important

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Even if you've not picked out homes to visit yet, it is important to contact your mortgage pro early. Why? When you do not know yet how much home you need to qualify for, how could we help?

We Will Help You Pre-Qualify

Our mortgage professionals can help you determine how much of a loan you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. We accomplish this by analyzing your debts and income, your work and residence situations, your funds available for down payment, required reserves, and other financial considerations. We require a minimum amount of paperwork, with a short,basic process.

At the point you are considered eligible, we prove our confidence in your potential to qualify for a loan by giving you a Pre-Qualification Letter (also known as a "pre-qual").

Buying Power

Armed with your pre-qualification letter, several advantages are yours when you locate the house you want to make an offer for. First, you have some general numbers in mind, as the amount you can borrow. More important to the seller, your pre-qualification is like your having walked into their house with a bag full of money ready to purchase the home! They will not need to be concerned that they are wasting their time if you will not have the ability to qualify for a big enough mortgage loan. The seller won't be concerned that he can't trust you to qualify for your loan.Your qualifying for the necessary loan amount won't cause them concern. They have a virtual guarantee to trust your buying power.

We can help you pre-qualify

We can help you determine how much of a loan you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. The process outlines your finances - your debt, income, job, cash available for down payment, among other things. It's quick and basic; and we keep the paperwork light.

Face to Face

While you can try our tools to calculate mortgage variables on this site, it will be a good idea to meet with one of our mortgage professional team members. For one thing, you will need a Pre-Qualification Letter! Next, we can review your mortgage options and be sure you are in the best one. We're waiting to hear from you: call us at (727) 478-2797.

Have questions about pre-qualifying? Call us at (727) 478-2797. We answer pre-qualification questions every day.

Basic Pre-Approval

Get the Best Mortgage Rate! Tell us a little about your current needs and we can use that information to match you with just the right loan.

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