Why Pre-Qualification is Important

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It is helpful to consult your mortgage professional as soon as possible — even before you've begun narrowing down neighborhoods. What for? If you don't yet know how much house you need to qualify for, what can we do for you?


When we pre-qualify you, we help you determine the amount in monthly payments you can fit in your budget, and how much we of a loan you can qualify for. We achieve this by reviewing your debts and income, your work and residence situations, your available funds for a down payment, required reserves, and other financial considerations. It's short and basic; We take pride in keeping the paperwork to a minimum.

We give you a Pre-Qualification Letter once you qualify, that documents that we're confident you'll qualify for up to a specific amount of mortgage loan dollars.

Power in the Pre-Qual

Armed with your pre-qualification letter, some advantages are yours at the point you locate the house you want to make an offer for. First, you have some general numbers in mind, as the amount you can borrow. Being pre-qualified also will make your offer look even better to the seller, as if you were bringing them a big box of cash! They won't need to wonder if they are wasting their time if you won't be able to have the ability to qualify for a high enough mortgage loan. The seller won't worry if he can trust you to qualify for your mortgage in the amount you will need.Your qualifying for your needed mortgage loan amount won't be something for them to be concerned about. You'll have the clout of a buyer ready to make the deal right now!

We can 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 the loan amount you can qualify for. In this process, we determine your capacity to borrow - analyzing your job, money available for down payment, debts, income, and other areas. We will require a minimum amount of paperwork, and avoid a lengthy process.

Face to Face

You can certainly use the calculators on this site to get an idea of how much mortgage you'll be able to afford - but it's also valuable to talk with one of our mortgage professionals. We can work toward your pre-qualification letter. For another thing, we may be able to locate a different mortgage loan option that better fits your needs. Let us get you started: Contact us at 205-941-1484.

Have questions about pre-qualifying? Call us at 205-941-1484. We answer pre-qualification questions every day.

Basic Pre-Approval

Get the Best Mortgage Rate! Tell us a little about your current needs and we can use that information to match you with just the right loan.

Tell us about your loan needs.
How can we get in touch with you?
Tell us about your credit history.