Why Get Pre-Qualified?

 

1. Pre-qualification acts as a dry run of the loan application process. The mortgage lender will use details you provide about your credit, income, assets and debts to arrive at an estimate of how much mortgage you can afford. The whole process may take only minutes or a few hours at most, and is free.

2. While a "pre-qual" is non-binding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general creditworthiness.

3. These days most sellers will NOT accept an offer without at least a pre-approval letter, so if you are serious about buying this is the first step towards getting you in your new home.

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National and State Mortgage Programs

Homeownership can feel out of reach, especially if you’ve never purchased a home and aren’t sure whether you’ll qualify for a mortgage. That’s why the Florida Housing Finance Corporation, known as Florida Housing, offers several programs to help Floridians buy a first home. For more information, click here.

The good news doesn’t stop there. National mortgage programs can also help you overcome obstacles to homeownership, especially if you have a low credit score or aren’t able to save a big down payment. Click here to learn more about National Programs for buying a home in the Sunshine State.


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