As your broker, I will help you pre-qualify. Items considered when pre-qualifying for a mortgage loan include:

• Employment History
  
• Credit History and Scores
  
• Monthly Income and Expenses

With my knowledge of the mortgage market, I'll help you make an informed decision as to the type of loan you'll want. There are many different types of loans to consider - FHA, VA, Conventional and even Bad Credit Loans or Bankruptcy. We'll help you find the best loan for your situation.

Perhaps the most significant reason to get Pre-Qualified, at least in the local market, is that MLS rules require the Broker to list a house as "Pending" within 24 hours of a contract. This effectively "takes the house off the market". All written offers MUST be presented to the Seller, however some agents will recommend that the Seller NOT accept any offers that do not provide a pre-approval letter.

Although a pre-approval letter it is not mandatory, I'd like your offer to be presented in the best light possible, since that gives it the best chances for success, and that's what we're after, isn't it?