The Importance of Pre-Qualification

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It's important to see a mortgage loan pro early, even if you haven't settled on what sort of home to look for. Why? It may be hard to fathom the ways we could help even before you begin to calculate your offer.


When we pre-qualify you, we help you figure out how much of a monthly mortgage payment you can afford, and how much we of a loan you will qualify for. The process walks you through your finances - your debts, income, employment, and cash available for down payment, among other things. It's a quick, thorough process with minimal risks for papercuts.

When you are determined to be eligible, we document our confidence in your capacity to qualify for a loan by giving you a Pre-Qualification Letter (also known as a "pre-qual").

Power in the Pre-Qual

Holding your pre-qualification letter, a number of advantages are yours once you locate the home you want to put together an offer on. The first is that you'll be sure the amount you will be able to afford when putting together the offer. Even more important to the seller of the house, your pre-qualification gives them confidence - as if you had arrived at their house with a big box of cash to make the offer! They won't have to be concerned that they are wasting their time if you won't be able to have the ability to qualify for a high enough mortgage. The seller of the home won't wonder if he can trust you to qualify for your loan.Your qualifying for your needed mortgage loan amount will not be something for them to worry about. You have the capability to back your offer up.

We can help you pre-qualify

We will help you calculate how much of a mortgage you can afford, and the amount of money you may be able to borrow, by taking you through pre-qualifying. In this process, we look at your borrowing power - reviewing your employment, money available for down payment, existing debt, income, and other circumstances. It's a short, thorough process with minimal risks for papercuts.


It is important to sit down and meet with us, even though you are welcome to also use the helpful mortgage loan calculators on this website. We can begin working on your pre-qualification letter. For another thing, we might find a different mortgage loan option that fits your needs better. Let us help you get started: Call us at (203) 729-6681.

Have questions about pre-qualifying? Call us at (203) 729-6681. We answer pre-qualification questions every day.

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