Why Pre-Qualification is Important

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It can be helpful to visit with a mortgage professional first, even before you've determined what sort of house to search for. What for? Maybe it's hard to understand the way we could help even before you start to negotiate.


We will help you see how much of a mortgage you can afford, and the amount of money you may be able to borrow, by taking you through pre-qualifying. This process outlines your finances - your debt, income, job, and cash available for down payment, among other things. We require a minimum amount of paperwork, and avoid a lengthy process.

We'll give you a Pre-Qualification Letter when you qualify, which states that we're confident you'll qualify for up to a certain amount of mortgage loan dollars.

Buying Clout

Armed with your pre-qualification letter, several advantages fall at your feet once you locate the home you want to make an offer on. First, you have some concrete numbers in mind, as the total you will qualify for with your mortgage loan. Even more important to the seller of the house, your pre-qualification gives them certainty - as if you'd entered their house with a suitcase of cash to make the offer! They will not need to wonder if that they're wasting their time if you do not be able to qualify for a big enough mortgage loan. The seller of the home won't be concerned that he can't count on you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed loan amount won't be something for them to lose sleep over. They have a virtual guarantee that they can trust your ability to back up your offer.

We help with your pre-qualification

We can help you calculate how much of a mortgage loan you can afford, and how much money you can borrow, by taking you through the pre-qualification process. The process walks you through your current financial situation - your debts, income, career, down payment money, among other things. It's short and basic; and we take pride in keeping the paperwork light.

One on one

While you are encouraged to benefit from our mortgage calculators on this website, it's essential to sit down and talk with one of our mortgage professional team members. For one thing, you'll need a Pre-Qualification Letter! Next, we can review your mortgage loan options and make sure you have found the best one. Contact us at 803-779-3638 to get started.

Have questions about pre-qualifying? Call us at 803-779-3638. Columbia Mortgage Corp answers pre-qualifying questions every day.