Get Pre-Qualified

Start the Home Purchase Process the Right Way
Pre-qualification Getting pre-qualified is a great way to begin the purchasing process of your home and it’s generally fairly simple. You supply the mortgage lender with your financial information, including your debt, income and assets to get an estimate of the mortgage amount for which you would qualify. A prequalification is usually free and can be done over the phone or on the internet, and there is usually no cost involved. This is because a loan pre-qualification does not include an analysis of your creditscore or an in-depth look at your ability to purchase a home. For an estimate of buying potential, please fill out our simple loan application. Being pre-qualified ensures that you are looking only at homes for which you know you will qualify to purchase.


  • Pre-qualification is usually free.
  • There is no loan commitment from the lender until the buyer is pre-approved.


Getting pre-approved is the next step in the process, and it tends to be much more involved. To be pre-approved you will complete an official mortgage application (and usually pay an application fee), and then supply the lender with the necessary documentation to perform an extensive check on your financial background and current credit score

  • With a Pre-approval, you receive a conditional approval from a lender for a certain loan amount.
  • This puts you in better negotiation position as the seller know you are serious about purchasing and closer to being approved for a loan.

Remember if any of your financial circumstances change before closing on the sale of the home, you must contact the lender. The loan prequalification or pre-approval may no longer be valid.

Get Pre-Qualified

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