Why it's Important to Pre-Qualify

Have questions about pre-qualifying? Call us at 325-656-4105. First National Bank answers pre-qualifying questions every day. Want to get started? Apply Online Now.

It's valuable to consult with your mortgage professional as soon as possible - even before you have started to consider neighborhoods. Why? How can we help before you have made your offer, and do not yet know the amount you want to borrow?


We can help determine how much of a mortgage loan you can afford, and how much money you can borrow, by walking you through the pre-qualification process. In the process, we explore your ability to borrow - analyzing your employment, money available for down payment, debts, income, and other areas. We require a minimum amount of paperwork, with a quick process.

We'll award you a Pre-Qualification Letter when you qualify, that documents that we're confident you'll qualify for up to a predetermined amount of mortgage loan dollars.

Buying Clout

Armed with your pre-qualification letter, several advantages are yours when you locate the home you want to make an offer on. First, it helps you know the amount that you are able to offer. Being pre-qualified also will make your offer more attractive to the seller, as if you were bringing them a suitcase of cash! They won't have to wonder if they have been wasting their time if you can't have the ability to qualify for a high enough mortgage loan. The seller won't worry if he can count on you to qualify for your mortgage in the amount you will need.Your qualifying for your needed loan amount will not be something for them to be concerned about. They have a virtual guarantee that they can trust your buying power.

We can help you pre-qualify

We can help you calculate how much of a mortgage you can afford, and the amount of money you will be able to borrow, by walking you through the pre-qualification process. This process outlines your current financial situation - your debt, income, employment, cash available for down payment, among other things. We will require a minimum amount of paperwork, and avoid a lengthy process.


While you are able to use our mortgage calculators on our site, it's a good idea to meet with one of our mortgage professional team members. For one thing, you will want a Pre-Qualification Letter! For another thing, we may locate a different mortgage loan option that fits your goals better. We are eager to meet with you: contact us at 325-656-4105.