When to Talk to Your Mortgage Pro

Are you looking for a new mortgage loan? We'd be thrilled to answer your questions about our mortgage offerings! Give us a call today at 866-840-8745 x2. Want to get started? Apply Here.

Even if you have not so much as picked out homes to visit yet, it is valuable to see your mortgage pro early. Why? It might be difficult to understand the ways we can help even before you start to calculate your offer.


When we pre-qualify you, we help you determine the amount in monthly mortgage payments you can fit in your budget, and how much we of a loan you will qualify for. During this process, we explore your capacity to borrow - analyzing your employment, available money for down payment, existing debt, income, and other areas. It is a quick, thorough process with minimal risks for papercuts.

Once you qualify, we present to you what's called a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), that says that we are working with you to find the ideal mortgage loan to meet your needs and that we're confident you'll qualify for a loan up to a specific amount.

Power in the Pre-Qual

Armed with your pre-qualification letter, several advantages are yours when you find the home you want to make an offer on. First, you have some general numbers in mind, as the total you will qualify for on your loan. Of greater importance to the seller, your being pre-qualified is like your having walked into their house with a suitcase full of money to purchase the home! They won't need to worry that they are wasting their time if you don't be able to qualify for a high enough mortgage. The seller of the home won't be concerned that he won't be able to count on you to qualify for your loan.Your qualifying for the necessary loan amount won't be something for them to lose sleep over. You have the capability to back up your offer.

We can help you pre-qualify

We will help you calculate 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. We will achieve this by considering your debts and income, your employment and housing circumstances, your funds available for a down payment, required reserves, and some other things. It's short and to the point; and we keep the paperwork light.


While you are able to benefit from our mortgage calculators on this website, it's essential to meet with one of our mortgage professional team members. For one thing, you'll need a Pre-Qualification Letter! For another thing, we might find a different mortgage option that fits your needs better. Contact us at 866-840-8745 x2 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at 866-840-8745 x2. We answer pre-qualification questions every day.

Basic Pre-Approval

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Carter Financial Solutions

1810 Pacific Ave
Stockton, CA 95204