When to Talk to a Mortgage Pro About Pre-Qualification

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It is important to bring in your mortgage professional as soon as possible — even before you've begun researching neighborhoods. Why? Maybe it's hard to fathom how we can help even before you begin to talk about prices and negotiations.


We can help you find out the loan amount you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. This process outlines your finances - your debt, income, employment, and down payment money, among other things. We ask for a minimum amount of paperwork, and avoid a lengthy process.

At the point you are considered eligible, we will prove our confidence in your potential to qualify for a loan by awarding you a Pre-Qualification Letter (also called a "pre-qual").

Pre-Qualification Power

Several advantages open to you once you've found your dream house, and have achieved pre-qualification power. First, you have some definite numbers in mind, as the total you will qualify for on your loan. Being pre-qualified can also make your offer more attractive to the home seller, like you were bringing them a suitcase of cash! They need not be concerned they have been wasting their time if you don't be able to qualify for a big enough mortgage loan. The seller won't worry if he can count on you to qualify for your mortgage in the amount you will need.Your qualifying for your needed mortgage loan amount won't be something for them to fret over. You can have the clout of a buyer ready to make the purchase on the spot!

We can help you pre-qualify

When we pre-qualify you, we help you find out the amount you can afford in monthly payments you can afford, and how much we of a loan you can qualify for. This process takes you through your finances - your debts, income, career, down payment money, among other things. It's a short, thorough process with minimal risks for papercuts.


While you are encouraged to benefit from our mortgage calculators on this website, it is a good idea to meet with us. For one thing, you'll need a Pre-Qualification Letter! For another thing, we might find a different mortgage program that better fits your needs. Let us help you get started: Call us at (904) 342-3622.

Have questions about pre-qualifying? Call us at (904) 342-3622. It's our job to answer pre-qualification questions, so we're happy to help!

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