Why it's Important to Pre-Qualify

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It's helpful to bring in your mortgage loan professional early — even before you've started to research neighborhoods. Why? How can we help you before you have made an offer, and don't know yet how much you want to borrow?

Pre-Qualify

We will 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. We can achieve this by reviewing your debts and income, your employment and housing circumstances, the available funds for a down payment, required reserves, and some other things. We will require a minimum amount of paperwork, with a quick process.

We award you a Pre-Qualification Letter when you qualify, which documents that we're confident you'll qualify for up to a predetermined amount of mortgage dollars.

Pre-Qual Power

Some benefits open to you after you find your next house, and have achieved pre-qualification. The first is that you can know the amount you will be able to afford when determining your offer. Even more important to the seller, your pre-qualification gives them confidence - as if you had come into their house with a bag of cash to make the offer! They need not be concerned they are wasting their time if you can't have the ability to qualify for a big enough mortgage loan. The seller of the home won't be concerned that he won't be able to count on you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary loan amount will not be something for them to be concerned about. You have the capability to back up your offer.

We will help you with your pre-qualification

When we pre-qualify you, we help you figure out how much of a monthly mortgage payment you can fit in your budget, and the loan amount you can qualify for. This process leads you through your finances - your debts, income, employment, down payment money, among other things. It's short and to the point; and we keep the paperwork light.

One on one

You can certainly use the calculators available on our site to calculate the size mortgage you can afford - but it's also essential to meet with us. That way, we will help you get your pre-qualification letter. Next, we can consider your loan options to be sure you have selected the best one. Let us help you get started: Call us at 415.931.2883.

Have questions about pre-qualifying? Call us at 415.931.2883. It's our job to answer pre-qualification questions, so we're happy to help!