Why Pre-Qualify?

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It's helpful to visit with a mortgage professional early, even if you haven't decided the kind of home to search for. Why? How can we help before you have made an offer, and don't yet know how much you need to borrow?

We Can Help You Pre-Qualify

We can help you determine how much of a loan you can qualify for and the monthly payment amount you are able to afford by helping you pre-qualify. During this process, we calculate your ability to borrow - looking at your job, money available for down payment, existing debt, income, and other circumstances. We will require a minimum amount of paperwork, with a quick process.

Once you are determined to be eligible, we will prove our confidence in your potential to qualify for a mortgage by giving you a Pre-Qualification Letter (also known as a "pre-qual").

Pre-Qualification Power

After you find a house that catches your eye, and you want to make an offer, being pre-qualified for a mortgage will do several things. First, it lets you know the amount that you are able to offer. Even more important to the seller of the home, your pre-qualification gives them certainty - as if you'd entered their home with a suitcase of cash to back up the offer! They won't need to be concerned they are wasting their time if you do not have the ability to qualify for a big enough mortgage. The seller won't wonder if he can count on you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary mortgage loan amount won't cause them concern. They have a virtual guarantee to trust your buying power.

We can help you pre-qualify

Our mortgage professionals will help you determine how much of a loan you can qualify for and the monthly payment amount you are able to afford by helping you pre-qualify. We accomplish this by considering your debts and income, your work and housing situations, the funds available for a down payment, required reserves, and other considerations. We will require a minimum amount of paperwork, with a quick process.

One-on-One

You can always use the calculators here on our website to calculate the size mortgage you will be able to afford - but it's also valuable to meet with one of our mortgage professionals. That way, we'll be able to help you get your pre-qualification letter. Next, we can review your mortgage program options and be sure you are in the right one. Contact us at 512-7895250 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at 512-7895250. Sophisticated Mortgage Solutions answers pre-qualifying questions every day.