Why it's Important to Pre-Qualify

Even if you've not picked out homes to visit yet, it's advantageous to see your mortgage pro early. What for? If you don't know yet how much house you want to qualify for, how could we help?


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

After you qualify, will present to you a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), that documents the fact that we are helping you to find the right mortgage to meet your financial needs and that we are confident you'll qualify for a mortgage loan for a specific amount.

Power in the Pre-Qual

When you locate the house that catches your eye, and you want to make an offer, being pre-qualified for a mortgage will do a couple of things. First of all, you have some definite numbers in mind, as the total you will qualify for on your mortgage loan. More important to the seller, your pre-qualification is like your having entered their house with a bag full of money to purchase their home! They will not need to worry that that they are wasting their time if you don't be able 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 mortgage loan amount will not be something for them to fret over. They have a virtual guarantee that they can trust your buying power.

We can help you pre-qualify

We will help determine how much of a mortgage you can afford, and the amount of money you can borrow, by taking you through pre-qualifying. We will achieve this by analyzing your income and debts, your work and residence situations, your available funds for a down payment, required reserves, and other considerations. It's a short, thorough process with minimal risks for papercuts.


You can certainly use the calculators here on this site to get an idea of how much mortgage you'll be able to afford - but it's also essential to meet with one of our mortgage professionals. For one thing, you'll need a Pre-Qualification Letter! For another thing, we may be able to find a different mortgage choice that better fits your needs. We're waiting to meet with you: contact us at 866-300-1550.

Have questions about pre-qualifying? Call us at 866-300-1550. Metro Mortgage answers pre-qualifying questions every day.

Basic Pre-Approval

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