Why Pre-Qualification is Important

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It is helpful to consult your mortgage professional as soon as possible — even before you've started to consider neighborhoods. Why? What can we do for you before you have made your offer, and don't know yet the amount you want to borrow?


When we pre-qualify you, we help you find out the amount in monthly mortgage payments you can fit in your budget, and the loan amount you can qualify for. We can achieve this by reviewing your income and debts, your employment and housing situations, your available funds for down payment, required reserves, and other financial considerations. It's a quick, thorough process with minimal risks for papercuts.

When you qualify, we present to you what's called a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), that says that we are working with you to find the right loan to fit your situation and that we are confident you'll qualify for a loan for up to a certain amount.

Pre-Qual Power

Armed with your pre-qualification letter, a number of advantages are yours once you locate the house you want to put together an offer for. First of all, you have some definite numbers in mind, as the amount you will qualify for on your mortgage. Even more important to the seller of the house, your pre-qualification gives them confidence - as if you had entered their house with a big box of cash to back up the offer! They will not need to wonder if they are wasting their time if you do not have the ability to qualify for a big enough mortgage loan. The seller won't be concerned that he can't trust you to qualify for your loan.Your qualifying for your needed loan amount will not cause them concern. You have the ability to back up your offer.

We will help you pre-qualify

Our mortgage professionals will help you calculate how much of a loan you can qualify for and the monthly mortgage payment amount you are able to afford by getting you pre-qualified. The process outlines your current financial situation - your debt, income, career, down payment money, among other things. It's short and to the point; and we take pride in keeping the paperwork to a minimum.


It's important to sit down and meet with us, even though you are free to also utilize the helpful mortgage calculators on our site. We can walk you through your pre-qualification letter. For another thing, we could locate a different mortgage choice that better fits your needs. Contact us at 405-513-7700 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at 405-513-7700. We answer pre-qualification questions every day.

Basic Pre-Approval

Get the Best Mortgage Rate! Tell us a little about your current needs and we can use that information to match you with just the right loan.

Tell us about your loan needs.
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