Why Pre-Qualify?

	Shopping for a mortgage loan? We'll be glad to discuss our many mortgage solutions! Give us a call today at (813) 200-7931. Ready to get started? Apply Online Now.

It can be helpful to visit with a mortgage professional first, even before you've determined the sort of home you hope to find. What for? When you don't know yet how much home you need to qualify for, what can we help you with?

Pre-Qualify

When we pre-qualify you, we help you figure out the amount in monthly mortgage payments you can afford, and the loan amount you can qualify for. In the process, we calculate your borrowing potential - looking at your earning status, available money for down payment, debt, income, and other areas. It's short and basic; We take pride in keeping the paperwork to a minimum.

When you qualify, will give you what's called a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), that states that we are helping you to find the best loan program to fit your situation and that we're confident you'll qualify for a mortgage loan up to a specific amount.

Buying Power

Once you locate a house that meets your needs, and you decide to put together an offer, being pre-qualified for a loan will do several things. The first is that you will be sure the amount you can afford when calculating your offer. Being pre-qualified will also make your offer look even better to the seller, like you were bringing them a suitcase full of cash! They won't need to worry that that they're wasting their time if you can't have the ability to qualify for a big enough mortgage loan. The seller won't be concerned that he won't be able to trust you to qualify for your loan.Your qualifying for the necessary loan amount won't cause them concern. You have the influence of a buyer ready to make the deal on the spot!

We will help you with your pre-qualification

Our mortgage professionals can help you calculate how much of a loan you can qualify for and the mortgage payment amount you can afford by helping you pre-qualify. In this process, we explore your capacity to borrow - looking at your earning status, money available for down payment, debts, income, and other areas. We as for a minimum amount of paperwork, and avoid a lengthy process.

One on one

You can certainly use the mortgage calculators available on this website to get an idea of how much mortgage you'll be able to afford - but it's also important to meet with one of our mortgage professionals. That way, we'll help you get your pre-qualification letter. Next, we can review your loan options and make sure you are in the best one. Let us help you get started: Contact us at (813) 200-7931.

Have questions about pre-qualifying? Call us at (813) 200-7931. It's our job to answer pre-qualification questions, so we're happy to help!