Why it's Important to Pre-Qualify

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Even if you haven't researched houses to visit yet, it can be valuable to contact your mortgage professional early. Why? It gives a potential buyer the ability to negotiate with the understanding of how much can be afforded. Establish a ceiling to your loan amount & monthly payments, then, negotiate from there!

                                                                      Pre-Qualify

When we pre-qualify you, we help you decide how much of a monthly payment you can fit in your budget, and how much we of a loan you will qualify for. The process outlines your financial situation - your debt, income, career, and cash available for down payment, among other things. It is a quick, thorough process with minimal risks for papercuts.

When you are determined to be eligible, we will prove our confidence in your potential to qualify for a mortgage by presenting you with a Pre-Qualification Letter (also known as a "pre-qual"). This is a requirement in order to place offers on properties, unless of course, you are an all-cash buyer.

Buying Power

When you locate a house that is ideal for you, and you want to make an offer, being pre-qualified for a loan will do a number of things. The first is that you'll know what you will be able to afford when calculating the offer. It will help in your negotiations and your Realtor can show you options that fit into your budget. This saves you time and time is money!