Even before you find your dream house, you should be pre-qualified for a mortgage so that you know how much you can afford. A pre-qualification may be required by the realtor or seller before accepting an offer. This letter assures the seller that you are qualified to buy. Charter Home Mortgage will provide you with a free pre-qualification letter.

The process includes a review of your personal financial information to include a current paystub, a copy of a current bank statement and a current credit report.