Why Get Pre-Qualified?

1. Pre-qualification acts as a dry run of the loan application process. The mortgage lender will use details you provide about your credit, income, assets and debts to arrive at an estimate of how much mortgage you can afford. The whole process may take only minutes or a few hours at most, and is free.

2. While a "pre-qual" is non-binding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general creditworthiness.

3. These days most sellers will NOT accept an offer without at least a pre-approval letter, so if you are serious about buying this is the first step towards getting you in your new home.




These were our two primary goals when we opened our first office in Rochester, NY in the spring of 2000. We’ve always ensured to meet those standards and shape the foundation that’s built Premium Mortgage as one of the finest home loan providers for the last 15 years. Buying a first home, or refinancing an existing mortgage, can be one of the biggest investments a person will make in their lifetime. With this in mind, we pride ourselves on giving personalized attention and high quality lending solutions to all our clients, so you can trust us to find the loan program that’s best for your individual circumstances and preferences.
Call a Premium Mortgage team member today!


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