When to Talk to a Mortgage Pro About Pre-Qualification

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It is important to visit with a mortgage loan pro early, even if you haven't settled on what sort of home you hope to find. Why? What can we do for you before you have made an offer, and don't know yet the amount you want to borrow?


When we pre-qualify you, we help you find out the amount in monthly mortgage payments you can afford, and the loan amount you will qualify for. In the process, we look at your ability to borrow - reviewing your earning status, money available for down payment, debt, income, and other circumstances. We ask for a minimum amount of paperwork, with a quick process.

At the point you are determined to be eligible, we document our confidence in your ability to qualify for a loan by giving you a Pre-Qualification Letter (also called a "pre-qual").

Pre-Qualification Power

When you find the house that is right for you, and you want to put together an offer, being pre-qualified for a mortgage loan will do several things. First, it helps you know how much you are able to offer. More important to the home seller, your pre-qualification is like your having entered their front door with a bag full of money to make the deal! They will not need to be concerned they are wasting their time if you won't be able to have the ability to qualify for a high enough mortgage loan. The seller of the home won't be concerned that he can't count on you to qualify for your loan.Your qualifying for your needed loan amount won't be something for them to be concerned about. You have the influence of a buyer ready to make the purchase right now!

We help with your pre-qualification

Our mortgage professionals will help you calculate how much of a loan you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. We can accomplish this by analyzing your debts and income, your employment and housing circumstances, the available funds for down payment, required reserves, and other considerations. We will ask for a minimum amount of paperwork, and avoid a lengthy process.

One on one

It is vital to sit down and meet with us, even though you are free to also use the helpful mortgage calculators on our website. We can begin working on your pre-qualification letter. Then, we can make sure we have the ideal mortgage loan program for your situation. Contact us at 8668408745 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at 8668408745. It's our job to answer pre-qualification questions, so we're happy to help!

Basic Pre-Approval

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Carter Financial Solutions

2291 W. March Ln Suite A100
Stockton, CA 95207