Why it's Important to Pre-Qualify

Are you looking for a mortgage loan? We'll be glad to discuss your mortgage needs! Call us at 719-425-2226. Ready to begin? Apply Here.

It's important to see a mortgage loan pro first, even before you've determined the kind of home to search for. Why? If you don't know yet how much home you need to qualify for, how could we help?


We can help determine how much of a mortgage you can afford, and how much money you may be able to borrow, by taking you through the pre-qualification process. We can do this by analyzing your debts and income, your employment and housing circumstances, the funds available for a down payment, required reserves, and other considerations. We will ask for a minimum amount of paperwork, and avoid a lengthy process.

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

Pre-Qualification Power

Several advantages open to you when you find your new house, and have pre-qualification power. The first is that you'll be sure what you can afford when determining your offer. Even more important to the seller, your pre-qualification gives them certainty - as if you'd entered their home with a suitcase of cash to make the offer! They need not be concerned they're wasting their time if you can't have the ability 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 your needed loan amount won't cause them concern. You can have the clout of a buyer ready to make the deal on the spot!

We will help you pre-qualify

When we pre-qualify you, we help you decide how much of a monthly payment you can fit in your budget, and the loan amount you will qualify for. This process walks you through your finances - your debt, income, job, down payment money, among other things. It's short and basic; and we take pride in keeping the paperwork to a minimum.


You can always use the calculators available on this website to calculate the size mortgage you'll be able to afford - but it's also essential to meet with one of our mortgage professionals. That way, we will help you get your pre-qualification letter. Next, we can consider your mortgage loan options and be sure you have found the right one. Let us get you started: Contact us at 719-425-2226.

Have questions about pre-qualifying? Call us at 719-425-2226. We answer pre-qualification questions every day.

English French German Portuguese Spanish