Why it's Important to Pre-Qualify

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It is helpful to consult with your mortgage professional early — even before you have started to research neighborhoods. What for? Maybe it's difficult to understand the ways in which we could help even before you begin to negotiate.

Pre-Qualify

When we pre-qualify you, we help you decide how much of a monthly mortgage payment you can fit in your budget, and how much we of a loan you will qualify for. During this process, we determine your borrowing potential - looking at your employment, available money for down payment, existing debt, income, and other circumstances. We require a minimum amount of paperwork, with a short,basic process.

We award you a Pre-Qualification Letter after you qualify, that states that we are confident you'll qualify for up to a certain amount of mortgage loan dollars.

Pre-Qual Power

With your pre-qualification letter, some advantages are yours once you locate the house you want to put together an offer on. First, it lets you know how much you can offer. More important to the existing home owner, your being pre-qualified is like your having walked into their front door with a bag full of cash ready to purchase the house! They need not wonder if they're wasting their time if you won't be able to be able to qualify for a high enough mortgage loan. The seller won't worry if he can trust you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed mortgage loan amount will not be something for them to be concerned about. You'll have the sway of a buyer ready to make the deal right now!

We will help you pre-qualify

When we pre-qualify you, we help you find out the amount you can afford in mortgage payments you can fit in your budget, and how much we of a loan you can qualify for. The process outlines your finances - your debts, income, job, down payment money, among other things. We will require a minimum amount of paperwork, with a quick process.

One-on-One

While you are able to use our tools to calculate mortgage variables on our website, it will be essential to sit down and talk with one of our mortgage professional team members. For one thing, you'll want a Pre-Qualification Letter! Then, we'll make sure we have selected the best mortgage loan program for your situation. Contact us at 954-359-3000 to get started.

Have questions about pre-qualifying? Call us at 954-359-3000. Florida State Mortgage Group, Inc. answers pre-qualifying questions every day.