Why Pre-Qualify?

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It is helpful to visit with a mortgage loan pro early, even before you have decided the sort of home to look for. What for? Maybe it is hard to fathom how we can help even before you begin to calculate your offer.


When we pre-qualify you, we help you decide how much of a monthly payment you can afford, and the size of loan you will qualify for. The process outlines your finances - your debts, income, career, and cash available for down payment, among other things. It's short and basic; We keep the paperwork light.

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

Pre-Qualification Power

Armed with your pre-qualification letter, a number of advantages are yours at the point you find the home you want to put together an offer for. The first is that you can know the amount you'll be able to afford when putting together your offer. Even more important to the seller of the home, your pre-qualification status gives them certainty - as if you had entered their house with a bag of cash to back up the offer! They won't have to worry that they are wasting their time if you won't be able to have the ability to qualify for a high enough mortgage loan. The seller won't wonder if he can count on you to qualify for your loan.Your qualifying for the necessary loan amount will not be something for them to be concerned about. They have a virtual guarantee to trust your buying power.

We can help you pre-qualify

When we pre-qualify you, we help you decide how much of a monthly payment you can fit in your budget, and how much we of a loan you can qualify for. In the process, we explore your ability to borrow - looking at your job, money available for down payment, debts, income, and other circumstances. It is 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 calculator tools on this website. That way, we will help you get your pre-qualification letter. Then, we'll make sure we have selected the right mortgage program for your situation. Contact us at 706-860-5514 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at 706-860-5514. We answer pre-qualification questions every day.

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