Why Get Pre-Qualified?

1. Pre-qualification acts as a dry run of the loan application process. The mortgage lender will use details you provide about your credit, income, assets and debts to arrive at an estimate of how much mortgage you can afford. The whole process may take only minutes or a few hours at most, and is free.

2. While a "pre-qual" is non-binding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general creditworthiness.

3. These days most sellers will NOT accept an offer without at least a pre-approval letter, so if you are serious about buying this is the first step towards getting you in your new home.


My name is Garth Cook and I have been in the mortgage business since 2002. My background as a CPA with Deloitte and Touche allows me to analyze loan transactions to determine what is in the best interest of my clients. I pride himself on being creative, my customer service and my attention to details.

I realize the stress involved in purchasing a new home and is empathetic towards these emotions. He is determined to make the mortgage process be as effortless as possible. Meeting deadlines is a must and we are committed to 21 day turn times. 


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