Getting prequalified is a simple first step that helps you understand what you can afford before you fall in love with a house. Fill out our secure mortgage prequalification form online, and we’ll help you get a letter you can use as you start touring homes.
Many real estate agents also prefer buyers to have a prequalification letter before beginning a serious search. It can help you focus on the right price range, shop with more confidence, and keep the full mortgage process moving a lot more smoothly.
Lenders review your payment history, income, and current debts to estimate how likely you are to make your mortgage payment each month. One of the biggest factors is your credit score, which is basically a quick snapshot of your borrowing reliability.
You can check your credit and credit score for free at sites like freecreditreport.com and creditkarma.
If your score is under 640, it’s worth reviewing your report for errors and focusing on the basics for a boost. Pay everything on time, keep balances down, and work on reducing debt where you can.
Fill out the questionnaire on this page to start a discussion about your mortgage needs today!
