Qualifying for a mortgage loan is not a simple process. There are many factors to consider. We believe that a personal touch to the pre- qualification process is not only important, but a requirement. There are many choices. Conventional, Government, Adjustable, and Balloon Mortgages. Our loan officers will work with you to find the best program for you and your situation.

How much house can you afford? The answer to this question is based upon several factors. First your own personal "financial comfort level" and secondly, your financial condition. You may qualify for a loan amount that is greater than you comfort level. Stay within your comfort zone.

What is a pre-qualification? A pre-qualification is an estimate of how much you can afford in a mortgage payment. A pre-qualification is just that, an estimate. It is based upon the information you provide, and is subject to the approval process, including further details such as a credit report, appraisal, and income verification.

What is a pre-approval? A pre-approval is different. It is a firmer commitment on behalf of the mortgage company. The credit report is already done, and the terms are subject to the appraisal of the house you intend to purchase. A "pre-approval" gives the home buyer an advantage in the marketplace. It is easier to negotiate with a home seller, and closing the transaction usually takes a shorter period of time. Pre- approval also makes the home buying process less stressful knowing that you're already approved.

The following calculator will determine the typical monthly payment for the entered variables. Once you have determined what monthly payment you can afford go to the Online Loan Application page and fill out the form for Pre-approval. A loan officer will respond by a phone call or letter. All information is held in strict confidence.

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