When to Speak to Your Mortgage Professional

Looking for mortgage advice? We will be glad to help! Call us at 9043423622. Ready to get started? Apply Here.

It's important to bring in your mortgage loan professional as soon as possible — even before you have begun narrowing down neighborhoods. What for? It might be difficult to fathom how we could help even before you begin to talk about prices and negotiations.


We can help determine how much of a mortgage loan you can afford, and how much money you may be able to borrow, by walking you through the pre-qualification process. The process outlines your finances - your debts, income, career, and down payment money, among other things. It's short and basic; We take pride in keeping the paperwork light.

Once you qualify, will give you a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), which documents the fact that we are helping you to find the right loan to meet your needs and that we're confident you will qualify for a mortgage loan for a specific amount.

Buying Clout

Several advantages open to you after you have found your new house, and have achieved pre-qualification. The first is that you can know the amount you can afford when putting together the offer. Having pre-qualification also will make your offer look even better to the seller, as if you were bringing them a big box of cash! They will not have to be concerned they have been wasting their time if you don't have the ability to qualify for a big enough mortgage loan. The seller of the home 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 will not be something for them to fret over. They have a virtual guarantee to trust your ability to back up your offer.

We will help you pre-qualify

When we pre-qualify you, we help you decide the amount you can afford in monthly payments you can afford, and the loan amount you will qualify for. This process leads you through your finances - your debt, income, job, down payment money, among other things. It's short and basic; and we keep the paperwork to a minimum.

Face to Face

You can certainly use the mortgage calculators on this site to get an idea of how much mortgage you'll be able to afford - but it's also essential to talk with us. That way, we will be able to help you get your pre-qualification letter. Then, we'll make sure we have selected the right mortgage program for your situation. Let us help you get started: 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