Why it's Important to Pre-Qualify

Shopping for a mortgage loan? We'd be thrilled to discuss our mortgage offerings! Give us a call at (732) 969-9300. Ready to begin? Apply Online Now.

It is important to bring in your mortgage loan professional as soon as possible — even before you've begun narrowing down neighborhoods. What for? How can we help if you have not negotiated a price, and do not know yet the amount you need to borrow?

We Will Help You Pre-Qualify

We can help determine how much of a mortgage loan you can afford, and the amount of money you can borrow, by taking you through pre-qualifying. This process walks you through your finances - your debts, income, job, and down payment money, among other things. It is a quick, thorough process with minimal risks for papercuts.

We give you a Pre-Qualification Letter if you qualify, which says that we're confident you'll qualify for a predetermined amount of mortgage loan dollars.

Buying Clout

Once you find the house that catches your eye, and you decide to put together an offer, being pre-qualified for a loan will do several things. First, it lets you know how much you can offer. Of greater importance to the home seller, your being pre-qualified is like your having walked into their house with a bag full of cash ready to make the deal! They will not have to wonder if that they have been wasting their time if you will not have the ability to qualify for a big enough mortgage loan. The seller of the home won't wonder if he can trust you to qualify for your mortgage in the amount you will need.Your qualifying for your needed mortgage loan amount will not be something for them to lose sleep over. You have the ability to back up your offer.

We can help you pre-qualify

Our mortgage professionals can help you calculate how much of a loan you can qualify for and the monthly payment amount you can afford by helping you pre-qualify. We can accomplish this by considering your debts and income, your employment and residence situations, the funds available for down payment, required reserves, and other financial considerations. It's a short, thorough process with minimal risks for papercuts.

One-on-One

It's important to sit down and talk with us, even though you are welcome to also use the helpful mortgage loan calculator tools on our website. That way, we can help you get your pre-qualification letter. Then, we'll make sure we have selected the ideal mortgage loan program for you. Contact us at (732) 969-9300 to get started.

Have questions about pre-qualifying? Call us at (732) 969-9300. Atlantic Financial Services answers pre-qualifying questions every day.

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