Why Pre-Qualify?

	Shopping for a mortgage? We'd be thrilled to answer your questions about your mortgage needs! Call us at (256) 586-5626. Ready to get started? Apply Here.

It's valuable to consult your mortgage professional as soon as possible — even before you have started to research neighborhoods. Why? How can we help before you have negotiated an amount, and don't know yet how much you want to borrow?

We Will Help You Pre-Qualify

Our mortgage professionals can help you find out how much of a loan you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. During the process, we determine your ability to borrow - reviewing 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.

We'll give you a Pre-Qualification Letter after you qualify, which states that we're confident you can qualify for up to a specific amount of mortgage loan dollars.

Buying Clout

Holding your pre-qualification letter, a number of advantages are yours when you locate the house you want to make an offer for. The first is that you can know the amount you will be able to afford when calculating the offer. Of greater importance to the seller, your being pre-qualified is like your having entered their house with a suitcase full of cash to purchase their house! They will not have to be concerned that they're wasting their time if you don't have the ability to qualify for a high enough mortgage. The seller won't be concerned that he won't be able to count on you to qualify for your loan.Your qualifying for your needed loan amount will not be something for them to be concerned about. They have a virtual guarantee to trust your buying power.

We can help you pre-qualify

When we pre-qualify you, we help you decide how much of a monthly mortgage payment you can afford, and the loan amount you will qualify for. The process takes you through your finances - your debts, income, employment, cash available for down payment, among other things. It's a short, thorough process with minimal risks for papercuts.

One on one

You can always use the mortgage calculators here on our website to calculate how much mortgage you'll be able to afford - but it's also valuable to talk with us. We can walk you through your pre-qualification letter. Then, we will make sure we have chosen the best mortgage program for you. Contact us at (256) 586-5626 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at (256) 586-5626. Consumer First Mortgage answers pre-qualifying questions every day.