Why it's Important to Pre-Qualify

Looking for a loan? We'll be glad to discuss your mortgage needs! Give us a call today at 866-840-8745 x2. Ready to get started? Apply Here.

Even if you've not narrowed down houses to visit yet, it can be important to contact your mortgage loan professional first. What for? If you don't yet know how much home you want to qualify for, what could we do for you?

We Will Help You Pre-Qualify

We can help you calculate how much of a mortgage loan you can afford, and how much money you will be able to borrow, by walking you through pre-qualifying. During the process, we calculate your borrowing power - analyzing your earning status, money available for down payment, debt, income, and other circumstances. It is a short, thorough process with minimal risks for papercuts.

After you qualify, we present to you what's called a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), which states that we are helping you to find the best loan program to meet your financial needs and that we're confident you will qualify for a mortgage loan for a certain amount.

Power in the Pre-Qual

Several beneifits open to you when you find your next house, and have achieved pre-qualification power. First of all, you have some concrete numbers in mind, as the amount you can borrow. Even more important to the seller, your pre-qualification gives them certainty - as if you had entered their home with a suitcase of cash to back up the offer! They won't have to worry that they are wasting their time if you do not have the ability to qualify for a big enough mortgage loan. The seller of the home won't wonder if he can count on you to qualify for your mortgage in the amount you will need.Your qualifying for your needed loan amount won't be something for them to worry about. They have a virtual guarantee to trust your ability to back up your offer.

We help with your pre-qualification

We can help you see how much of a mortgage you can afford, and how much money you can borrow, by walking you through pre-qualifying. During the process, we explore your borrowing power - analyzing your earning status, money available for down payment, debt, income, and other areas. It's quick and to the point; and we take pride in keeping the paperwork to a minimum.

One-on-One

It is important to sit down and meet with us, even though you are welcome to also try the helpful mortgage calculator tools on our site. For one thing, you'll need a Pre-Qualification Letter! Then, we'll make sure we have chosen the best mortgage loan program for your situation. We are eager to hear from you: call us at 866-840-8745 x2.

Have questions about pre-qualifying? Call us at 866-840-8745 x2. It's our job to answer pre-qualification questions, so we're happy to help!

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