Home Rate Sheet Contact Us Mortgage Calculators

When to Talk to a Mortgage Professional

It's important to consult with your mortgage loan professional as early as possible.  Why? If you do not yet know how much home you need to qualify for, how can we help?

We Can Help You Pre-Qualify

We will help you determine the loan amount you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. In the process, we look at your borrowing potential - analyzing your job, money available for down payment, debts, income, and other areas.

When you qualify, will give you a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), that documents the fact that we are partnering with you to find the ideal mortgage loan program to fit your needs and that we're confident you will qualify for a mortgage loan up to a specific amount.

Pre-Qual Power

A number of benefits open to you after you have found your next house, and have achieved pre-qualification power. First, you have some definite numbers in mind, as the amount you will qualify for with your mortgage loan. Even more important to the current owner, your pre-qualification gives them confidence - as if you'd entered their home with a big box of cash to make the offer! They will not have to wonder if they are wasting their time if you will not be able to qualify for a high enough mortgage. The seller of the home won't be concerned that he won't be able to trust you to qualify for your mortgage in the amount you'll need. Your qualifying for the necessary loan amount will not be something for them to be concerned about. You have the capability to back your offer up.


While you are encouraged to use our mortgage calculators on our site, it's essential to talk with us. That way, we'll be able to help you get your pre-qualification letter. For another thing, we might find a different mortgage choice that better fits your needs. Contact us at (585) 263-4353 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at (585) 263-4353. We answer pre-qualification questions every day.