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Pre-Qualify Information



When you start to look for your new home, one of the first and important steps is to get Pre-qualified with the lender. This is instrumental for these reasons:

  1. To check that you are looking in the right price range.
  2. To assure us that the lender will loan you the money.
  3. To have the Pre-qualification Letter to present with your offer.
  4. To have more leverage in negotiating your offer with the seller.

The Pre-qualification process assures everyone in the transaction that you are ready to buy and can buy. A Pre-qualification Letter is generated by the lender for us to use.

It is highly recommended that you start your loan process when beginning your home search so that you have credit approval for the search period and negotiating the contract to purchase. To have credit approval is superior to Pre-qualification. It will give you the extra negotiating power when presenting your offer to the seller.

From my experiences, I would recommend the following lenders for the Pre-qualification and Loan process:


These folks have been in the mortgage loan and real estate industry for years. They are very experienced, give excellent service and are competitive. This is all for your benefit!! We will be happy to work through this process with you to assure that you get the best loan and service!



Contact Joan H. Raley

Office (850) 599-1950, Cell (850) 545-9390, Fax (888) 798-1950
E-mail: Joan@JoanRaley.com, Web Site:www.JoanRaley.com, Blog site: JoanRaley-blog.blogspot.com
2425 Bass Bay Drive, Tallahassee, FL 32312