When to Speak to a Mortgage Pro

Are you looking for a new mortgage loan? We'll be glad to answer your questions about our many mortgage solutions! Give us a call today at 714-970-9700. Ready to begin? Apply Online Now.

Even if you have not narrowed down homes to visit yet, it can be advantageous to contact your mortgage professional early. Why? If you don't know yet how much house you want to qualify for, how can we help?


When we pre-qualify you, we help you find out the amount in mortgage payments you can afford, and the size of loan you will qualify for. During this process, we explore your ability to borrow - reviewing your job, money available for down payment, existing debt, income, and other circumstances. It is a quick, thorough process with minimal risks for papercuts.

When you are determined to be eligible, we will prove our confidence in your capacity to qualify for a mortgage loan by giving you a Pre-Qualification Letter (also known as a "pre-qual").

Power in the Pre-Qual

After you locate the house that is best for you, and you decide to make an offer, being pre-qualified for a mortgage will do several things. First of all, you have some general numbers in mind, as the total you will qualify for with your mortgage loan. Even more important to the seller of the home, your pre-qualification gives them certainty - as if you'd entered their home with a bag of cash to back up the offer! They won't need to worry that that they have been wasting their time if you won't be able to be able to qualify for a high enough mortgage. The seller of the home won't be concerned that he can't trust you to qualify for your loan.Your qualifying for the necessary mortgage loan amount won't cause them concern. You have the ability to back up your offer.

We help with your pre-qualification

We will help you see how much of a mortgage loan you can afford, and the amount of money you will be able to borrow, by taking you through the pre-qualification process. This process takes you through your current financial situation - your debt, income, career, down payment money, among other things. It's short and basic; and we keep the paperwork to a minimum.

Face to Face

It is vital for you to sit down and talk with us, even though you are welcome to also utilize the helpful mortgage calculator tools on this website. We can begin getting your pre-qualification letter. Then, we will make sure we have found the right mortgage loan program for your situation. Contact us at 714-970-9700 to get started.

Have questions about pre-qualifying? Call us at 714-970-9700. American Commerce Mortgage answers pre-qualifying questions every day.

Basic Pre-Approval

Get the Best Mortgage Rate! Tell us a little about your current needs and we can use that information to match you with just the right loan.

Tell us about your loan needs.
How can we get in touch with you?
Tell us about your credit history.