When to Speak to A Mortgage Professional About Pre-Qualification

Looking for a mortgage loan?  I will be glad to have a conversation about a pre-qualification and our all our loan programs!  Give me a call at 941-504-1445.  Ready to begin? Apply Here.

It's helpful to bring in a mortgage loan professional early — even before you've started to consider neighborhoods. Why?  Most seasoned realtors will only show you properties after you have been pre-qualified.  They want to make sure everything goes as smooth as possible since this is your largest purchase in your lifetime.  This also add a high level of negotiating power in todays fast paced real estate market. 


I will help you find out how much of a loan you qualify for and the monthly mortgage payment amount you are able to afford by getting you pre-qualified.  In this process, I calculate your borrowing potential by reviewing your credit, employment, income, available money for down payment, down payment assistance programs, existing debt, and many other areas.  It's a quick, thorough process with minimal risks for paper cuts.

I'll give you a Pre-Qualification Letter once you are qualified that states that I am confident you'll qualify for up to a pre-determined maximum amount of a mortgage.  Please see my page "Are You Pre-Qualified" for a variety of ways to become qualified. 

Power in the Pre-Qual

With your pre-qualification letter, a number of advantages are yours when you find the home you want to place an offer.  First of all, you have some definite numbers in mind, as the total you will be able to borrow.  Even more important to the existing owner, your pre-qualification gives them certainty - as if you had entered their house with a big box of cash to back up the offer!  This will build the sellers confidence that you have the ability to qualify for a mortgage loan.  Your qualifying for the necessary mortgage loan amount will give them the confidence the sale will close.  They trust your ability to back up your offer with a closing.

One on one

Please feel free to use the mortgage calculators on the home page of my website to calculate the size mortgage you can afford - but it's also valuable to talk with me.  There are a great deal of exceptions to the general rules in lending.  I will help you find the best mortgage options that fits you specific needs.  

For further information on pre-qualification options, see the tab on my website entitle "How to get Started" and click on "Are you pre-qualified".  There are a variety of ways to be qualified for the purchase of a home - you will want to read this page for further information.

Do you have questions about pre-qualifying?  Call or email me at 941-504-1445 Sherry@SherryBitner.com I answers pre-qualifying questions every day. 


Welcome to my website! Please take your time and browse through all the information available to you. Then, when you have questions, please contact me and we will disucss your goals. Enjoy...and thank you for visiting my website, which I built to help you! Sherry Bitner 941-504-1445.


Today's Rates

Mtg Loan Rate APR
30-yr Fixed 4.52% 4.55%
15-yr Fixed 4% 4.05%
1-yr Adj 3.87% 3.89%
* national averages
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