Why Pre-Qualify?

	Shopping for a mortgage? We will be glad to help! Call us at 802-253-2055. Ready to get started? Apply Now.

It is helpful to see a mortgage loan pro first, even before you have determined what sort of home to search for. What for? What can we do for you if you have not negotiated an amount, and do not know yet how much you want to borrow?

Pre-Qualify

Our mortgage professionals can help you find out the loan amount you can qualify for and the monthly mortgage payment amount you are able to afford by helping you pre-qualify. We do this by analyzing your income and debts, your employment and housing situations, your funds available for down payment, required reserves, and other financial considerations. It's a short, thorough process with minimal risks for papercuts.

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

Pre-Qualification Power

Several advantages open to you when you've found your next house, and have achieved pre-qualification power. First of all, you have some concrete numbers in mind, as the amount you will qualify for with your mortgage. Being pre-qualified also will make your offer look even better to the home seller, like you were bringing them a bag full of cash! They will not have to be concerned that they are wasting their time if you can't be able to qualify for a high enough mortgage. The seller of the home won't worry if he can trust you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary mortgage loan amount will not be something for them to be concerned about. You have the capability to back your offer up.

We can help you pre-qualify

When we pre-qualify you, we help you figure out the amount you can afford in monthly mortgage payments you can afford, and the size of loan you will qualify for. We can achieve this by analyzing your debts and income, your employment and housing circumstances, your available funds for down payment, required reserves, and other financial considerations. It's a short, thorough process with minimal risks for papercuts.

One on one

It's important for you to sit down and talk with us, even though you are welcome to also try the helpful mortgage loan calculators on our website. We can walk you through your pre-qualification letter. For another thing, we may be able to find a different mortgage option that fits your needs better. We are waiting to meet with you: contact us at 802-253-2055.

Have questions about pre-qualifying? Call us at 802-253-2055. It's our job to answer pre-qualification questions, so we're happy to help!