The Importance of Getting Prequalified

Right Away!!! Consult with your mortgage loan professional as soon as possible — you acquire knowledge and buying potential that will be essential when making a successful offer on your future home. When you go to your Realtor® with a prequalification letter, you are in a better negotiating position, will help your Realtor® narrow your search for the perfect home in your price range and help a seller decide you are a serious buyer.

When we pre-qualify you, we determine an estimated monthly payment you can afford and how much you home qualify for. In this process, we look at your borrowing capacity - your earning status, money available for down payment, existing debt, income, and other areas. You may offer us paperwork to review to insure our calculations are accurate. Once qualified, you will be provided a prequalification letter documenting the program and amount of loan you are pre-approved for. The letter will list as conditions the documents that will be required to complete your Mortgage application.

You have the clout of a buyer ready to make a purchase right now! Being pre-qualified for a mortgage loan will help YOU be sure what you can afford when looking for a home. Having a preapproval letter in hand will also make your offer look even stronger to the seller, almost like a cash buyer! This will eliminate their concerns that you may not qualify for the loan after they take the house off the sales market.

We walk with you every step of the way in your journey to home ownership. By working with our qualified mortgage professionals, you are provided with the mortgage options available that fit your individual needs. Contacting us is easy! Email us at, call our office at 910-483-1211 or click on the “Get Prequalified” or “Free Consultation” buttons on our website for a quick response.