Get Qualified

Why it's Important to Pre-Qualify

Even if you have not picked out houses to view yet, it can be valuable to visit with your mortgage professional first. Why? Perhaps it is hard to understand the ways we could help even before you start to talk about prices and negotiations.

Pre-Qualify

Our mortgage professionals will help you determine how much of a loan you can qualify for and the monthly payment amount you can afford by getting you pre-qualified. The process leads you through your current financial situation - your debts, income, job, and down payment money, among other things. We require a minimum amount of paperwork, with a quick process.

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

Pre-Qualification Power

When you locate a house that meets your needs, and you want to make an offer, being pre-qualified for a loan will do a couple of things. First, you have some concrete numbers in mind, as the total, you will be able to borrow. Even more important to the seller of the home, your pre-qualification gives them confidence - as if you'd come into their house with a suitcase of cash to make the offer! They won't have to worry that they're wasting their time if they won't be able 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 loan. Your qualifying for your needed mortgage loan amount won't cause them concern. You have the capability to back your offer up.

We will help you pre-qualify

We can help you see how much of a mortgage you can afford, and how much money you can borrow, by taking you through pre-qualifying. We accomplish this by considering your income and debts, your work and residence situations, the available funds for a down payment, required reserves, and other financial considerations. It's short and basic, and we take pride in keeping the paperwork to a minimum.

One-on-One

It is important to sit down and talk with us, even though you are free to also utilize the helpful mortgage loan calculator tools on our site. That way, we'll be able to help you get your pre-qualification letter. Then, we will make sure we have chosen the best mortgage loan program for your situation. We're eager to hear from you: contact us at (619) 825-9560.

Have questions about pre-qualifying? Call us at (619) 825-9560. We answer pre-qualification questions every day.