Why Pre-Qualify?

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It is helpful to bring in your mortgage loan professional as soon as possible — even before you have begun researching neighborhoods. Why? How can we help you before you have made an offer, and do not know yet the amount you need to borrow?

Pre-Qualify

We can help determine how much of a mortgage loan you can afford, and the amount of money you may be able to borrow, by taking you through pre-qualifying. This process outlines your current financial situation - your debts, income, career, and cash available for down payment, among other things. It's quick and to the point; We take pride in keeping the paperwork to a minimum.

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

Power in the Pre-Qual

Armed with your pre-qualification letter, several advantages fall at your feet when you locate the house you want to make an offer on. The first is that you will be sure what you can afford when calculating your offer. Even more important to the present owner, your pre-qualification gives them confidence - as if you had come into their home with a suitcase of cash to back up the offer! They need not worry that they're wasting their time if you won't be able to be able to qualify for a high enough mortgage loan. The seller of the home won't worry if he can count on you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed mortgage loan amount won't cause them concern. They have a virtual guarantee that they can trust your ability to back up your offer.

We will help you with your pre-qualification

When we pre-qualify you, we help you decide the amount you can afford in mortgage payments you can fit in your budget, and the loan amount you will qualify for. During the process, we determine your borrowing potential - looking at your job, money available for down payment, debt, income, and other circumstances. It's quick and basic; and we take pride in keeping the paperwork light.

One-on-One

While you are able to use our mortgage calculators on our website, it will be essential to meet with one of our mortgage professional team members. We can work toward your pre-qualification letter. Next, we can review your loan options to make sure you are in the best one. We are waiting to hear from you: contact us at 1-800-600-3863.

Have questions about pre-qualifying? Call us at 1-800-600-3863. Superior Mortgage Inc. answers pre-qualifying questions every day.