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      • 1st Time Home Buyer
      • Closing Costs
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  • Home
  • Communities
    • Thinking of Florida Move?
    • The Region
    • Sarasota
    • Bradenton
    • Lakewood Ranch
    • Palmer Ranch
    • Siesta Key Beach Cam
  • Finance
    • Home Affordability
    • Pre-Qualification
    • 1st Time Home Buyer
    • Closing Costs
  • NEWS
    • Real Estate News
    • Homeowner Tips
    • Home Project Costs
    • Water Conservation
  • Search
    • Rentals
    • Schools - Sarasota
    • Schools - Manatee
  • About
    • Philip Leber
    • KW Agent Opportunities
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Why Get Pre-Qualified?

  • 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.


  • 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.


  • 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.

To calculate how much mortgage you'll be able to prequalify for, lenders take into account your credit profile, annual income, and expected loan term and interest rate, as well as your monthly debt payments and potential home-related expenses.  Here is a good Pre-Qualification Estimator that will give you a first look at your financial ability to purchase a home:


Pre-Qual Estimator

What will it cost to buy or sell a home?

The last step in buying or selling a home is settling up on all of the costs associated with the transaction.  Costs are allocated to the buyer and seller, including real estate commissions, mortgage costs, title fees, insurance and so on.  For a preview of what you can expect in the way of closing costs and monthly payments, check out our Closing Cost Calculators:

Closing Cost Calculators

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