Why it's Important to Pre-Qualify

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It's valuable to bring in your mortgage loan professional early — even before you've started narrowing down neighborhoods. Why? It might be difficult to fathom the ways we could help even before you begin to calculate your offer.

We Will Help You Pre-Qualify

We will help you see how much of a mortgage you can afford, and the amount of money you may be able to borrow, by walking you through pre-qualifying. In this process, we explore your borrowing capacity - analyzing your earning status, money available for down payment, debts, income, and other circumstances. It is a short, thorough process with minimal risks for papercuts.

We'll give you a Pre-Qualification Letter if you qualify, which says that we're confident you can qualify for a specific amount of mortgage dollars.

Power in the Pre-Qual

With your pre-qualification letter, several advantages are yours when you find the home you want to make an offer for. First, you have some concrete numbers in mind, as the amount you will qualify for on your loan. Even more important to the current owner, your pre-qualification status gives them certainty - as if you had arrived at their house with a bag of cash to make the offer! They will not have to be concerned they're wasting their time if you don't have the ability to qualify for a big enough mortgage loan. The seller won't be concerned that he won't be able to trust you to qualify for your loan.Your qualifying for your needed loan amount will not cause them concern. They have a virtual guarantee that they can trust your buying power.

We will help you pre-qualify

When we pre-qualify you, we help you figure out how much of a monthly payment you can afford, and the loan amount you can qualify for. This process outlines your finances - your debt, income, employment, down payment money, among other things. It's a quick, thorough process with minimal risks for papercuts.

One on one

It's vital to sit down and talk with us, even though you are welcome to also try the helpful mortgage calculators on this website. We can work toward your pre-qualification letter. Then, we'll make sure we have chosen the right mortgage program for you. Let us help you get started: Call us at 702-524-1376.

Have questions about pre-qualifying? Call us at 702-524-1376. North American Financial answers pre-qualifying questions every day.