I get it.  You’re not ready to send over any documents.  I’m only going to sell you.  At least get pre-qualified, so you have an understanding of what you may qualify for.

So what does it entail? Prequalifying can be done with just verbal or written verification

First, tell me your income. I’ll calculate your monthly gross income.
Second, tell me your monthly debt obligations. I don’t need the balance, just the minimum due. I’ll calculate your monthly dues.
Third: Tell me your credit score.
Fourth: Tell me your down payment amount or percentage.
Fifth: Tell me the zip code or city you plan to buy in.
Sixth: Tell me the property type: Single Family, Condo, Townhome, Multi-Family, Manufactured
Seventh: Tell me how you plan to occupy it. Will it be your primary, secondary, or investment home?
Eight: Are you a first-time home buyer?

 I’ll now be able to show you conventional and FHA scenarios (VA and USDA too, if applicable), along with any program such as the temporary rate buydown. You’ll see something like the screenshot below in an email form.

We review the numbers together, find out ways to win in the market, and I give you my recommendation. 

Share the information with other decision-makers, and let me know when you’re ready to get approved.

I can provide you with a pre-qualification letter, but that’s not what realtors are looking for. They want a pre-approval letter. There is no need to rush. Take your time and continue to ask questions.

I’ll be ready when you are.