Why it's Important to Pre-Qualify

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Even if you have not so much as narrowed down homes to view yet, it is important to see your mortgage professional early. What for? When you do not know yet how much house you want to qualify for, how could we help?


We can help you see how much of a mortgage you can afford, and the amount of money you can borrow, by walking you through pre-qualifying. During the process, we explore your ability to borrow - looking at your job, available money for down payment, existing debt, income, and other circumstances. It's short and to the point; We take pride in keeping the paperwork light.

We will award you a Pre-Qualification Letter after you qualify, which states that we're confident you'll qualify for up to a certain amount of mortgage loan dollars.

Buying Power

After you locate a house that meets your needs, and you decide to make an offer, being pre-qualified for a mortgage loan will do a number of things. The first is that you will be sure the amount you'll be able to afford when calculating your offer. Even more important to the existing owner, your pre-qualification gives them confidence - as if you had come into their home with a big box of cash to back up the offer! They won't have to worry that that they are wasting their time if you won't be able to have the ability to qualify for a big enough mortgage loan. The seller won't wonder if he can trust you to qualify for your loan.Your qualifying for your needed mortgage loan amount won't be something for them to be concerned about. They have a virtual guarantee to trust your ability to back up your offer.

We will help you with your pre-qualification

We will 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. In this process, we explore your borrowing capacity - looking at your job, available money for down payment, existing debt, income, and other areas. It is a quick, thorough process with minimal risks for papercuts.

One on one

While you are encouraged to use our tools to calculate mortgage variables on this site, it is a good idea to sit down and talk with one of our mortgage professional team members. For one thing, you'll want a Pre-Qualification Letter! For another thing, we could be able to find a different mortgage loan option that is a better fit for you. Contact us at 205-941-1484 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at 205-941-1484. It's our job to answer pre-qualification questions, so we're happy to help!

Basic Pre-Approval

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