Pre-Qualifying for a Mortgage

Decision to buildQualifying for a mortgageSelecting a builderPlan/feature selectionHome ownership
Decision to build Qualifying for a mortgage Selecting a builder Plan/feature selection Home ownership

How to Pay For Your Home

Use our mortgage calculators to determine how much you can afford.

One of the first steps towards homeownership is to look closely at your financial situation. Determine the home buying budget that makes sense for you. Find out what mortgage options are available. Get advice from a mortgage lender and arrange for mortgage pre-approval.

Pre-qualification consists of preliminary steps for the initial loan application process. The mortgage lender will use details provided about your credit, income, assets, and debts to arrive at an estimate of how much you can finance. This process is usually free and takes minimal time. When determining your ability to qualify for a mortgage, a lender looks at your "debt-to-income" ratio. This is the percentage of your gross monthly income that you spend on housing expenses, and your consumer debt, such as car payments, credit cards, student loans, etc.

Our professional loan officers can quickly help you determine "your comfort level" should you need financing for your new home. Plus, you are in a better position to negotiate when you have a pre-approved mortgage.

Contact a Loan Officer and get pre-qualified today!

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