Put a plan in place to enjoy real estate you deserve!
Mortgage Prequalication
How? The key to your success is a personalized borrowing plan.
Discover your borrowing power in 3 easy steps
2. Get your personalized borrowing plan
Use your pre-approved status to send the right message to sellers!
3. Start making strong real estate offers!
Enjoy the anticipation of greater prosperity
Feel inspired knowing you have a borrowing plan that works, the confidence to move forward, and an easier path to the real estate you deserve!
Nice to meet you!
My name is Bryan Kreitz and I’m an expert in today’s borrowers secure real-estate financing, and if you’re not sure how to plan for your next real-estate purchase, I can help with that too.
Prequalifaction
The primary goal of your mortgage prequalification is to determine your current ability to borrow for a home purchase, refinance or equity line-of-credit.
A pre-qualification can happen days weeks or even months before you actually apply for financing. And the sooner the better because getting prequalified gives you more information to make a better decision, focus on improving your borrowing strength and planning for your mortgage.
Discover your borrowing potential
Prequalifying helps you gauge the affordability of housing in your desired market(s); it answers the “how much can I borrow” and “What steps can I take to afford my home” questions.
Getting prequalified is also a good way to ask a mortgage lender or broker any questions you have about the mortgage process, including costs, rates and timelines.
Information shared during the prequalification conversation also helps your mortgage professional research and consider the best mortgage options of your scenario. Believe it or not, the mortgage programs offered to borrowers are constantly changing; and those changes can sometimes directly impact your borrowing capacity.
Whats needed for prequlifying
Prequalifying includes inventorying all your monthly debt and legal obligations. This information is used to calculate your debt-to-income (DTI) ratio as many lenders require this ratio to fit within a certain range; typically, 36%-45% of your gross monthly income.
Additional information you’ll want to share includes:
- Your income
- Your monthly debt/legal obligations
- Your anticipated down payment and source(s)
- How much you would like to borrow
- Your estimated credit score
Take the first step
Prequalifying is the first step in your borrowing journey. Once you are prequalified, you can decide whether borrowing to purchase, refinance or borrow against real estate makes sense for you.
Become a stronger borrower today
Ready to get started? Talk with a mortgage loan broker today and find out your true borrowing potential. Simply click the button below to get started.
Get prequalified
Let’s talk about your real-estate borrowing goals. Simply complete the form below to start the conversation. With some minimal information we can give you a better understanding of your true borrowing power. Remember, your prequalification is complimentary and there’s no obligation.