Why Pre-Qualification is Important

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It is important to visit with a mortgage professional early, even before you have determined the sort of house you hope to find. What for? When you don't yet know how much house you need to qualify for, what could we help you with?

Pre-Qualify

We can help you calculate how much of a mortgage you can afford, and how much money you can borrow, by taking you through pre-qualifying. This process outlines your finances - your debt, income, employment, and cash available for down payment, among other things. We require a minimum amount of paperwork, with a short,basic process.

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

Pre-Qualification Power

After you locate the house that catches your eye, and you decide to make an offer, being pre-qualified for a loan will do a couple of things. The first is that you'll know what you will be able to afford when calculating the offer. Even more important to the seller of the home, your pre-qualification letter gives them certainty - as if you had arrived at their house with a big box of cash to make the offer! They won't need to worry that that they have been wasting their time if you do not have the ability to qualify for a high enough mortgage. The seller of the home won't wonder if he can count on you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary loan amount won't cause them concern. You have the sway of a buyer ready to make the deal right now!

We can help you 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 will qualify for. During this process, we explore your borrowing potential - reviewing your job, available money for down payment, debt, income, and other areas. We will ask for a minimum amount of paperwork, and avoid a lengthy process.

Face to Face

It is important for you to sit down and meet with us, even though you are free to also utilize the helpful mortgage loan calculator tools on our site. For one thing, you will want a Pre-Qualification Letter! For another thing, we might find a different mortgage loan option that better fits your needs. We are waiting to hear from you: call us at 305-967-7200.

Have questions about pre-qualifying? Call us at 305-967-7200. U.S.A. Lending, Inc. answers pre-qualifying questions every day.

Basic Pre-Approval

Get the Best Mortgage Rate! Tell us a little about your current needs and we can use that information to match you with just the right loan.

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