Why it's Important to Pre-Qualify

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It's valuable to visit with a mortgage professional early, even before you have decided the sort of home you hope to find. What for? When you don't yet know how much home you need to qualify for, what could we help you with?


When we pre-qualify you, we help you decide the amount in monthly mortgage payments you can fit in your budget, and the size of loan you can qualify for. We can do this by considering your income and debts, your work and residence circumstances, the available funds for a down payment, required reserves, and other financial considerations. It's quick and basic; We take pride in keeping the paperwork light.

At the point you are determined to be eligible, we will prove our confidence in your capacity to qualify for a mortgage by presenting you with a Pre-Qualification Letter (also known as a "pre-qual").

Buying Power

Holding your pre-qualification letter, several advantages are yours when you locate the home you want to put together an offer for. First, it lets you know how much you can offer. More important to the existing home owner, your being pre-qualified is like your having walked into their front door with a suitcase full of cash to make the deal! They need not be concerned that they're wasting their time if you won't be able to be able to qualify for a big enough mortgage. The seller of the home won't wonder if he can trust you to qualify for your loan.Your qualifying for your needed loan amount won't be something for them to fret over. You have the capability to back up your offer.

We help with your pre-qualification

Our mortgage professionals will help you calculate the loan amount you can qualify for and the monthly mortgage payment amount you are able to afford by getting you pre-qualified. During the process, we calculate your borrowing potential - looking at your job, money available for down payment, debt, income, and other circumstances. It is a quick, thorough process with minimal risks for papercuts.

One on one

It is vital to sit down and meet with us, even though you are free to also utilize the helpful mortgage loan calculators on our website. For one thing, you will need a Pre-Qualification Letter! Then, we can make sure we have selected the right mortgage program for your situation. Let us help you get started: Call us at 866-840-8745 x2.

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