Why Pre-Qualify?

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It is important to visit with a mortgage loan pro early, even before you have determined the sort of home to search for. Why? What can we do for you before you have negotiated an amount, and do not know yet the amount you want to borrow?

We Will Help You Pre-Qualify

We will help you find out how much of a loan you can qualify for and the monthly payment amount you can afford by getting you pre-qualified. This process leads you through your finances - your debts, income, career, and down payment money, among other things. It is a short, thorough process with minimal risks for papercuts.

Once you qualify, will give you what's called a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), that says that we are helping you to find the ideal mortgage loan program to meet your needs and that we're confident you will qualify for a mortgage up to a certain amount.

Pre-Qualification Power

Once you locate a house that is right for you, and you decide to put together an offer, being pre-qualified for a loan 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. Even more important to the seller of the house, your pre-qualification status gives them confidence - as if you'd entered their house with a suitcase of cash to back up the offer! They will not need to wonder if that 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 won't wonder if he can count on you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed mortgage loan amount won't cause them concern. You have the ability to back your offer up.

We can help you pre-qualify

When we pre-qualify you, we help you find out how much of a monthly payment you can afford, and the loan amount you will qualify for. We can accomplish this by considering your debts and income, your work and residence circumstances, the available funds for a down payment, required reserves, and some other things. We will require a minimum amount of paperwork, with a quick process.

Face to Face

While you can try our mortgage calculators on this site, it's essential to meet with us. For one thing, you'll need a Pre-Qualification Letter! For another thing, we may locate a different mortgage program that fits your situation better. Contact us at 916 635-8799 to get your pre-qualification process started.

Have questions about pre-qualifying? Call and ask for Jai Jett at 916 635-8799. Pacific National Lending answers pre-qualifying questions every day.