Why it's Important to Pre-Qualify

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It is important to consult your mortgage professional early — even before you've started narrowing down neighborhoods. Why? If you do not know yet how much house you need to qualify for, how can we help?

We Can Help You Pre-Qualify

We will help determine how much of a mortgage you can afford, and the amount of money you may be able to borrow, by walking you through the pre-qualification process. During the process, we explore your borrowing potential - analyzing your earning status, available money for down payment, debts, income, and other areas. It is a quick, thorough process with minimal risks for papercuts.

After you qualify, we give you a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), that documents the fact that we are working with you to find the best loan to meet your situation and that we are confident you'll qualify for a mortgage for up to a specific amount.

Power in the Pre-Qual

Once you locate the house that meets your needs, and you decide to put together an offer, being pre-qualified for a mortgage will do a number of things. The first is that you will be sure what you will be able to afford when determining the offer. More important to the home seller, your pre-qualification is like your having walked into their front door with a suitcase full of cash to make the deal! They need not wonder if 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 worry if he can trust you to qualify for your loan.Your qualifying for the necessary mortgage loan amount will not cause them concern. They have a virtual guarantee that they can trust your ability to back up your offer.

We will help you pre-qualify

When we pre-qualify you, we help you find out how much of a monthly payment you can fit in your budget, and the loan amount you can qualify for. The process leads you through your finances - your debts, income, job, down payment money, among other things. We will ask for a minimum amount of paperwork, with a quick process.

Face to Face

While you are encouraged to try our tools to calculate mortgage variables on this site, it will be essential to meet with one of our mortgage professional team members. That way, we will help you get your pre-qualification letter. Next, we can consider your mortgage loan choices and make sure you are in the best one. We are eager to hear from you: 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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2800 North Fifth Street Suite 301B
St. Augustine, FL 32084