When to Speak to Your Mortgage Pro About Pre-Qualifying

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It is important to consult your mortgage professional early — even before you've started researching neighborhoods. What for? It might be hard to fathom how we could help even before you begin to calculate your offer.

We Will Help You Pre-Qualify

We will help you calculate how much of a mortgage you can afford, and the amount of money you can borrow, by taking you through pre-qualifying. We can do this by considering your income and debts, your employment and residence circumstances, the funds available for a down payment, required reserves, and some other things. We will require a minimum amount of paperwork, and avoid a lengthy process.

After you are determined to be eligible, we prove our confidence in your capacity to qualify for a loan by awarding you a Pre-Qualification Letter (also known as a "pre-qual").

Pre-Qualification Power

After you locate the house that is best for you, and you decide to put together an offer, being pre-qualified for a mortgage will do several things. First of all, you have some general numbers in mind, as the total you can borrow. Being pre-qualified can also make your offer look even better to the home seller, like you were bringing them a bag full of cash! They will not need to worry that that they are wasting their time if you won't be able to be able to qualify for a big enough mortgage loan. The seller of the home won't worry if he can trust you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary loan amount will not be something for them to worry about. They have a virtual guarantee that they can trust your ability to back up your offer.

We help with your pre-qualification

Our mortgage professionals will help you find out the loan amount you can qualify for and the monthly payment amount you are able to afford by getting you pre-qualified. In the process, we look at your ability to borrow - looking at your job, money available for down payment, existing debt, income, and other circumstances. We will ask for a minimum amount of paperwork, with a quick process.


It is vital for you to sit down and talk with us, even though you are free to also try the helpful mortgage calculator tools on this site. That way, we will be able to help you get your pre-qualification letter. Next, we can study your mortgage options to make sure you are in the right one. We are eager to hear from you: call us at (314) 913-9678.

Have questions about pre-qualifying? Call us at (314) 913-9678. It's our job to answer pre-qualification questions, so we're happy to help!

Bob Rutledge Mortgage

Loan Officer NMLS#: 297044

New American Funding 12321 Olive Blvd, ste 150
St. Louis, MO 63141