Why it's Important to Pre-Qualify

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Even if you have not so much as picked out houses to view yet, it is advantageous to see your mortgage loan professional early. What for? When you don't yet know how much home you need to qualify for, what can we help you with?


When we pre-qualify you, we help you find out how much of a monthly payment you can fit in your budget, and how much we of a loan you will qualify for. In the process, we determine your ability to borrow - analyzing your earning status, money available for down payment, existing debt, income, and other areas. It is a quick, thorough process with minimal risks for papercuts.

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

Buying Power

Various beneifits open to you when you have found your dream house, and have achieved pre-qualification power. First, it lets you know how much you can offer. More important to the existing home owner, your pre-qualification is like your having entered their house with a bag full of money to make the deal! They need not worry that they're wasting their time if you don't have the ability to qualify for a big enough mortgage loan. The seller won't be concerned that he won't be able to trust you to qualify for your loan.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 can help you pre-qualify

We can help determine how much of a mortgage loan you can afford, and the amount of money you can borrow, by taking you through the pre-qualification process. The process walks you through your finances - your debts, income, career, cash available for down payment, among other things. It's quick and basic; and we keep the paperwork light.


It is vital to sit down and talk with us, even though you are free to also use the helpful mortgage loan calculators on our site. That way, we will be able to help you get your pre-qualification letter. For another thing, we might find a different mortgage loan option that fits your goals better. Contact us at 469-640-0400 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at 469-640-0400. Capacity Lending, LLC answers pre-qualifying questions every day.

Basic Pre-Approval

Get the Best Mortgage Rate! Tell us a little about your current needs and we can use that information to match you with just the right loan.

Tell us about your loan needs.
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Tell us about your credit history.