Why it's Important to Pre-Qualify

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It's valuable to see a mortgage loan pro first, even if you haven't settled on the sort of home you hope to find. Why? What can we do for you if you haven't negotiated a price, and do not know yet the amount you need to borrow?

Pre-Qualify

We will help you calculate how much of a mortgage you can afford, and the amount of money you will be able to borrow, by walking you through pre-qualifying. We can do this by analyzing your debts and income, your employment and residence situations, your available funds for a down payment, required reserves, and other financial considerations. It's a short, thorough process with minimal risks for papercuts.

After you qualify, will give you a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), which states that we are helping you to find the right mortgage to fit your needs and that we are confident you'll qualify for a mortgage loan up to a certain amount.

Buying Power

When you locate the house that meets your needs, and you decide to put together an offer, being pre-qualified for a mortgage loan will do a couple of things. The first is that you can be sure what you will be able to afford when calculating the offer. Even more important to the seller of the house, your pre-qualification gives them certainty - as if you'd arrived at their home with a bag of cash to make the offer! They won't have to worry that they are wasting their time if you can't have the ability to qualify for a big enough mortgage. 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 mortgage loan amount won't be something for them to fret over. You have the capability to back your offer up.

We will help you pre-qualify

We will help you calculate how much of a mortgage loan you can afford, and the amount of money you can borrow, by taking you through the pre-qualification process. We will achieve this by considering your debts and income, your work and housing circumstances, the funds available for a down payment, required reserves, and some other things. It is a quick, thorough process with minimal risks for papercuts.

One on one

It's important for you to sit down and meet with us, even though you are welcome to also use the helpful mortgage loan calculator tools on this website. We can work toward your pre-qualification letter. Then, we can make sure we have the ideal mortgage loan program for your situation. We're waiting to hear from you: contact us at 9043423622.

Have questions about pre-qualifying? Call us at 9043423622. It's our job to answer pre-qualification questions, so we're happy to help!

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159 Hampton Point Drive Suite 4
St. Augustine, FL 32092