Why Pre-Qualification is Important

It is helpful to consult with your mortgage loan professional as soon as possible — even before you've started researching neighborhoods. Why? What can we do for you if you haven't negotiated a price, and do not know yet the amount you want to borrow?

We Can Help You Pre-Qualify

Our mortgage professionals can help you find out the loan amount you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. The process outlines your financial situation - your debt, income, job, and cash available for down payment, among other things. It is a short, thorough process with minimal risks for papercuts.

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

Buying Power

Armed with your pre-qualification letter, some advantages fall at your feet once you locate the home you want to put together an offer on. First of all, you have some definite numbers in mind, as the amount you will be able to borrow. Even more important to the existing owner, your pre-qualification gives them certainty - as if you had come to their home with a big box of cash to make the offer! They need not be concerned that they're wasting their time if you don't have the ability to qualify for a high enough mortgage loan. The seller won't wonder if he can trust you to qualify for your loan.Your qualifying for the necessary loan amount won't cause them concern. You have the capability to back up your offer.

We will help you with your pre-qualification

Our mortgage professionals can help you calculate the loan amount you can qualify for and the monthly mortgage payment amount you are able to afford by helping you pre-qualify. In this process, we explore your capacity to borrow - looking at your job, money available for down payment, debts, income, and other circumstances. It is a quick, thorough process with minimal risks for papercuts.


It is important for you to sit down and talk with us, even though you are welcome to also use the helpful mortgage calculator tools on this site. That way, we can help you get your pre-qualification letter. Next, we can study your loan options to make sure you have found the best one. Contact us at 407-647-RATE to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at 407-647-RATE. SEFS LLC dba SEFS Home Loans answers pre-qualifying questions every day.