Why it's Important to Pre-Qualify

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It is important to consult with your mortgage loan professional early — even before you've started narrowing down neighborhoods. Why? It may be difficult to understand how we can help even before you start to calculate your offer.


We will help you calculate how much of a mortgage loan you can afford, and how much money you will be able to borrow, by walking you through pre-qualifying. We can do this by analyzing your income and debts, your work and housing situations, the available funds for down payment, required reserves, and some other things. It's short and to the point; We take pride in keeping the paperwork light.

Once you are determined to be eligible, we document our confidence in your potential to qualify for a mortgage by presenting you with a Pre-Qualification Letter (also known as a "pre-qual").

Power in the Pre-Qual

With your pre-qualification letter, some advantages are yours once you find the home you want to put together an offer on. First, it helps you know the amount that you are able to offer. Being pre-qualified also will make your offer more attractive to the seller, as if you were bringing them a suitcase full of cash! They need not wonder if that they're wasting their time if you do not have the ability to qualify for a big enough mortgage loan. The seller of the home won't worry if he can trust you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary loan amount will not cause them concern. They have a virtual guarantee that they can trust your buying power.

We will help you with your pre-qualification

Our mortgage professionals can help you find out how much of a loan you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. During this process, we determine your ability to borrow - looking at your job, money available for down payment, debts, income, and other circumstances. It is a quick, thorough process with minimal risks for papercuts.

One on one

You can always use the mortgage calculators available on our site to calculate how much mortgage you can afford - but it's also valuable to talk with one of our mortgage professionals. That way, we'll help you get your pre-qualification letter. Then, we'll make sure we have the right mortgage program for your situation. Contact us at (440) 234-9660 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at (440) 234-9660. It's our job to answer pre-qualification questions, so we're happy to help!

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