Why it's Important to Pre-Qualify

Shopping for a mortgage loan? We will be glad to assist you! Give us a call at (904) 342-3622. Ready to begin? Apply Here.

Even if you haven't narrowed down houses to view yet, it can be advantageous to contact your mortgage professional first. What for? It might be hard to understand how we can help even before you begin to calculate your offer.


We will help determine how much of a mortgage loan you can afford, and the amount of money you can borrow, by walking you through the pre-qualification process. We do this by analyzing your income and debts, your employment and housing circumstances, your available funds for down payment, required reserves, and other financial considerations. It's a quick, thorough process with minimal risks for papercuts.

We'll give you a Pre-Qualification Letter when you qualify, which documents that we're confident you can qualify for a certain amount of mortgage loan dollars.

Pre-Qual Power

When you locate the house that is best for you, and you decide to put together an offer, being pre-qualified for a loan will do a couple of things. The first is that you'll know what you can afford when calculating the offer. Of greater importance to the existing home owner, your pre-qualification is like your having entered their house with a bag full of cash to make the deal! They will not need to worry that they are wasting their time if you won't be able to have the ability to qualify for a big enough mortgage. The seller won't wonder if he can trust you to qualify for your loan.Your qualifying for your needed loan amount won't cause them concern. You have the ability to back up your offer.

We will help you pre-qualify

When we pre-qualify you, we help you decide how much of a monthly payment you can afford, and how much we of a loan you will qualify for. The process outlines your financial situation - your debt, income, employment, cash available for down payment, among other things. We will ask for a minimum amount of paperwork, and avoid a lengthy process.

One on one

It's important for you to sit down and meet with us, even though you are free to also utilize the helpful mortgage loan calculators on our website. We can begin getting your pre-qualification letter. Next, we can study your mortgage loan choices and make sure you have selected the right one. Contact us at (904) 342-3622 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at (904) 342-3622. We answer pre-qualification questions every day.

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2800 North Fifth Street Suite 301B
St. Augustine, FL 32084