The Importance of Pre-Qualifying

In the market for a mortgage? We will be glad to assist you! Call us at 866-840-8745 x2. Ready to get started? Apply Now.

It's helpful to consult with your mortgage loan professional as soon as possible — even before you have begun narrowing down neighborhoods. What for? What can we do for you if you have not negotiated a price, and do not know yet the amount you want to borrow?

We Can Help You Pre-Qualify

We will help you see how much of a mortgage you can afford, and the amount of money you can borrow, by taking you through the pre-qualification process. This process outlines your current financial situation - your debt, income, career, and cash available for down payment, among other things. We will ask for a minimum amount of paperwork, and avoid a lengthy process.

Once you are determined to be eligible, we prove our confidence in your capacity to qualify for a mortgage loan by giving you a Pre-Qualification Letter (also called a "pre-qual").

Power in the Pre-Qual

After you locate the house that catches your eye, and you decide to put together an offer, being pre-qualified for a mortgage will do a couple of things. First, you have some definite numbers in mind, as the amount you will be able to borrow. Your pre-qualification also will make your offer more attractive to the seller, as if you were bringing them a big box of cash! They will not need to be concerned that they're wasting their time if you don't be able to qualify for a high enough mortgage loan. The seller won't be concerned that he can't count on you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary mortgage loan amount won't cause them concern. You have the capability to back your offer up.

We can help you pre-qualify

We can help determine how much of a mortgage you can afford, and the amount of money you can borrow, by taking you through pre-qualifying. This process outlines your financial situation - your debt, income, career, down payment money, among other things. It's a quick, thorough process with minimal risks for papercuts.

Face to Face

While you can benefit from our mortgage calculators on this website, it is a good idea to meet with us. For one thing, you'll need a Pre-Qualification Letter! Next, we can consider your mortgage loan choices and make sure you are in the right one. Let us help you get started: Contact us at 866-840-8745 x2.

Have questions about pre-qualifying? Call us at 866-840-8745 x2. Carter Financial Solutions 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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Carter Financial Solutions

1810 Pacific Ave
Stockton, CA 95204