Congratulations on taking the first step to home ownership! The first step is to find out how much of a home you can afford by pre-qualifying yourself. A pre-qualification is a simple calculation of your buying power based on your income, debts and available assets. No paperwork is required.

Pre-Qualifying yourself is not the same as obtaining a pre-approval. You can obtain a pre-approval by submitting a loan application. If you are definitely seeking to purchase a home in the next six months, we recommend obtaining a pre-approval after pre-qualifying yourself for three reasons:

1. You can discover and resolve any problems with your loan application early.

2. You will be in a better bargaining position when bidding on a home because the sellers will know that you already have your financing in place.

3. You can probably qualify for a much higher loan with our pre-approval because we have many flexible programs that let you borrow what you need right now.