Why Pre-Qualify?

Are you looking for a mortgage? We'd be thrilled to talk about our many mortgage solutions! Give us a call at 410-451-2755. Ready to get started? Apply Online Now.

It is helpful to bring in your mortgage loan professional as soon as possible — even before you have begun researching neighborhoods. What for? Perhaps it's hard to understand the ways in which we could help even before you start to negotiate.

Pre-Qualify

When we pre-qualify you, we help you figure out how much of a monthly mortgage payment you can afford, and the loan amount you can qualify for. We can accomplish this by analyzing your debts and income, your employment and residence circumstances, your funds available for a down payment, required reserves, and other considerations. It's short and to the point; We keep the paperwork to a minimum.

We will award you a Pre-Qualification Letter if you qualify, which documents that we are confident you'll qualify for a predetermined amount of mortgage loan dollars.

Pre-Qual Power

When you locate the house that is right for you, and you decide to put together an offer, being pre-qualified for a mortgage loan will do several things. First, it helps you know the amount that you are able to offer. Of greater importance to the current home owner, your pre-qualification is like your having walked into their front door with a suitcase full of cash ready to make the deal! They won't need to 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 won't be concerned that he can't count on you to qualify for your loan.Your qualifying for your needed loan amount will not cause them concern. They have a virtual guarantee that they can trust your ability to back up your offer.

We can help you pre-qualify

We can help determine how much of a mortgage you can afford, and the amount of money you can borrow, by walking you through pre-qualifying. In the process, we explore your ability to borrow - analyzing your employment, available money for down payment, debts, income, and other areas. We will ask for a minimum amount of paperwork, with a short, basic process.

Face to Face

While you are able to benefit from our mortgage calculators on this site, it's essential to sit down and talk with us. For one thing, you'll need a Pre-Qualification Letter! Then, we'll make sure we have chosen the right mortgage loan program for your situation. Contact us at 410-451-2755 to get started.

Have questions about pre-qualifying? Call us at 410-451-2755. We answer pre-qualification questions every day.