Why it's Important to Pre-Qualify

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It is valuable to see a mortgage professional first, even if you haven't settled on the kind of house you hope to find. What for? When you don't know yet how much home you want to qualify for, what can we help you with?


When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford, and the size of loan you will qualify for. The process leads you through your current financial situation - your debt, income, job, and down payment money, among other things. We will ask for a minimum amount of paperwork, with a quick process.

Once you are determined to be eligible, we prove our confidence in your potential to qualify for a loan by presenting you with a Pre-Qualification Letter (also called a "pre-qual").

Pre-Qualification Power

Once you locate the house that catches your eye, and you want to put together an offer, being pre-qualified for a mortgage loan will do a number of things. First, it helps you know how much you are able to offer. Your pre-qualification also will make your offer look even better to the home seller, as if you were bringing them a suitcase full of cash! They need not worry that they're wasting their time if you won't be able to have the ability to qualify for a big enough mortgage loan. The seller of the home won't be concerned that he can't trust you to qualify for your loan.Your qualifying for your needed loan amount won't be something for them to lose sleep over. They have a virtual guarantee to trust your buying power.

We can help you pre-qualify

We will help you calculate how much of a mortgage you can afford, and how much money you can borrow, by taking you through pre-qualifying. We can accomplish this by reviewing your debts and income, your employment and residence situations, your funds available for a down payment, required reserves, and some other things. It's quick and basic; and we take pride in keeping the paperwork to a minimum.


While you can benefit from our mortgage calculators on this site, it's essential to meet with us. For one thing, you'll want a Pre-Qualification Letter! Next, we can review your mortgage choices to make sure you are in the right one. Let us help you get started: Call us at 410-451-2755.

Have questions about pre-qualifying? Call us at 410-451-2755. It's our job to answer pre-qualification questions, so we're happy to help!