Kelly L. Zitlow

Vice President
Certified Mortgage Planning Spec.
Arizona Mortgage Specialist
Certified Mortgage Instructor
Member/AZ Mortgage Lenders Assn.

NMLS # 164330

Phone: (480) 398-4908

Mobile: (602) 561-6760

Fax: (480) 240-5324

Email

Click here to learn more...

Prequalification

Pre-Qualification

"My wife, daughter and I would like to extend to you our gratitude for all of your help in our home loan process. We never felt left in the dark on any matter. We appreciate your effort, consistency and dedication to your jobs. We love our new house and look forward to doing business with you again in the future."

Dustin, Gretchen & Cali C. - Client
Gilbert

Pre-qualification starts the mortgage process. Once a mortgage lender has gathered information about a borrower's income and debts, a determination can be made as to how much the borrower can pay for a house. Since different mortgage programs can cause different valuations a borrower should get pre-qualified for each loan type the borrower may qualify for.

In attempting to approve Arizona homebuyers for the type and amount of mortgage they want, Arizona mortgage lenders look at two key factors. First, the borrower's ability to repay the loan and, second, the borrower's willingness to repay the loan.

Back to Loan Process

Back to Mortgage Help