Why Pre-Qualify?

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Even if you haven't picked out houses to visit yet, it's valuable to visit with your mortgage professional early. What for? What can we do for you if you have not negotiated an amount, and don't yet know the amount you want to borrow?

Pre-Qualify

We can help you see how much of a mortgage you can afford, and how much money you may be able to borrow, by walking you through the pre-qualification process. During the process, we determine your ability to borrow - reviewing your job, money available for down payment, debts, income, and other areas. We require a minimum amount of paperwork, with a quick process.

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

Pre-Qual Power

Armed with your pre-qualification letter, a number of advantages fall at your feet when you locate the home you want to make an offer for. First of all, you have some definite numbers in mind, as the total you will qualify for with your mortgage. Having pre-qualification can also make your offer look even better to the seller, as if you were bringing them a bag full of cash! They need not worry that that they're wasting their time if you do not have the ability to qualify for a big enough mortgage. The seller of the home won't wonder if he can trust you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed mortgage loan amount will not be something for them to worry about. 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 decide how much of a monthly mortgage payment you can fit in your budget, and how much we of a loan you will qualify for. This process outlines your financial situation - your debts, income, job, cash available for down payment, among other things. It is a short, thorough process with minimal risks for papercuts.

One-on-One

While you are able to use our mortgage calculators on our site, it's essential to meet with one of our mortgage professional team members. We can work toward your pre-qualification letter. For another thing, we may be able to locate a different mortgage choice that better fits your needs. Contact us at (203) 729-6681 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at (203) 729-6681. Amity Mortgage LLC answers pre-qualifying questions every day.

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