Why Pre-Qualify?

Shopping for a mortgage loan? We'll be glad to talk about our many mortgage solutions! Call us at (949) 486-3777. Want to get started? Apply Here.

Even if you have not researched homes to visit yet, it's advantageous to contact your mortgage professional first. What for? When you don't know yet how much home you need to qualify for, how can we help?


We will help determine how much of a mortgage you can afford, and how much money you can borrow, by taking you through pre-qualifying. In this process, we calculate your capacity to borrow - analyzing your employment, available money for down payment, debts, income, and other circumstances. We ask for a minimum amount of paperwork, and avoid a lengthy process.

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

Buying Power

Holding your pre-qualification letter, a number of advantages are yours at the point you locate the house you want to put together an offer on. First, it lets you know how much you're able to offer. Being pre-qualified can also make your offer look even better to the seller, like you were bringing them a bag full of cash! They won't have to worry that that they have been wasting their time if you do not be able to qualify for a high enough mortgage. The seller of the home won't worry if he can count on you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed loan amount won't be something for them to lose sleep over. You have the capability to back up your offer.

We help with your pre-qualification

We can help you calculate how much of a mortgage loan you can afford, and the amount of money you can borrow, by taking you through pre-qualifying. We can achieve this by analyzing your income and debts, your employment and housing circumstances, the available funds for a down payment, required reserves, and some other things. We will ask for a minimum amount of paperwork, and avoid a lengthy process.

One on one

You can certainly use the calculators available on this website to get an idea of how much mortgage you'll be able to afford - but it's also valuable to meet with us. For one thing, you will want a Pre-Qualification Letter! Then, we can make sure we have selected the best mortgage program for your situation. Contact us at (949) 486-3777 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at (949) 486-3777. It's our job to answer pre-qualification questions, so we're happy to help!