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Getting pre-qualified for a mortgage loan

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  What can you afford?

 

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Should you talk to a mortgage professional before house hunting?

Absolutely! Even if you haven't so much as picked out houses to visit yet, it's important to see your mortgage professional first. Why? What can we do for you if you haven't negotiated a price, and don't know yet how much you want to borrow?

Pre-Qualification, after one short call or email we help you determine how much of a monthly mortgage payment you can afford, and how much we can loan you. We consider your income and debts, your employment and residence situations, your available funds for downpayment and required reserves, and some other things.

Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), which says we're confident you'll qualify for a loan for a certain amount.

Why Pre-Qual? When you find a house that catches your eye, and you decide to make an offer, it lets you know how much you can offer. More importantly, to a home seller, your being pre-qualified means they won't have to wonder if they're wasting their time. You have already investigated your mortgage options to finance the amount you're offering for the home. You have the clout of a buyer ready to make the deal right now!

You can always use the calculators available on our site to get an idea of how much mortgage you can afford -- but it's important to meet with us. For one thing, you'll need a Pre-Qualification Letter! For another thing, we may be able to find a different mortgage program that fits your needs better.

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Edwardsville & Glen Carbon Chamber of Commerce American Home Lending USA Real Estate Equal Housing Lender INC 500 Top Companies American Home Lending USA INC 500, Edwardsville Glen Carbon Chamber of Commerce, BBB, Equal 			Housing Lender, Greater Gateway Association of Realtors, Real Estate
 
Illinois Main Office
230 S Buchanan St, Ste A
Edwardsville, IL 62025
Phone: (618) 659-8500
Toll-Free: (800) 965-0125
Fax
: (800) 771-6925
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Clearwater, FL 33764
Phone: (727) 400-3293
Fax: (314) 735-1250
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Mobile, AL 36603
Phone: (251) 289-9404
Fax: (251) 545-4935
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1430 Washington Ave, Ste 219
St. Louis, MO 63103
Phone: (314) 658-4534
Fax
: (314) 735-1250
Flowood, Mississippi
232 Martket Street, Suite 232
Flowood, MS 39232
Phone
: (601) 564-4500
Fax
: (601) 600-2526
Saltillo, Mississippi
3543 Tom Watson Drive
Saltillo, MS 38866
Phone
: (662) 762-4499
Fax
: (662) 796-0216

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AMERICAN HOME LENDING USA, LLC
230 S. Buchanan Street, Ste A
Edwardsville, IL 62025
(800) 965-0125 (618) 659-8500

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Alabama Consumer Credit License #21842; Arkansas Residential Mortgage Lending Act License #71983; Florida Mortgage Lender License #MLD906; Colorado Mortgage Lender License #71983; Georgia Mortgage Lender License #36496; Illinois Residential Mortgage Licensee MB.6760542; Maryland Residential Mortgage Lender Licensee 21919; Missouri Residential Mortgage Licensee 12-1661-A; Licensed by the Mississippi Department of Banking and Consumer Finance Licensed Mortgage Company #71983; Tennessee Mortgage License #117669; Not an agency of the federal government.  Mortgage rates subject to change without notice.  Other restrictions may apply.

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