How Pre-Qualification Can Help You Get Your Dream Home

Eric Padilla • November 20, 2025

Buying a home is an important – and exciting – decision. After all, having a place to call your own, to raise your family in, to do as you wish with no landlord to answer to are all motivating factors in starting the process.

But, in addition to these emotional reasons, buying a home can provide financial benefits as well. Take for example, that over the last 20 years, home prices in the United States have steadily risen between three to six percent. And this trend shows no signs of slowing down. 

In addition to the compounding appreciation that homeowners have experienced with ownership, new home buyers will also want to consider the tax benefits that buying a home often has. As a homeowner with a mortgage, you will find that you are able to deduct the interest paid on your mortgage from your taxable income. And since early payments for new homeowners tend to consist of mostly paying on the interest of the loan, this group also tends to receive the biggest tax breaks.

All this being said, chances are that if you are seriously considering embarking on the home buying journey then you are already aware of the benefits that come with such a purchase. However, what you might not be aware of is just how important it is to getting pre-qualified. 

Before beginning your search, home buyers will want to understand what pre-qualified means along with why it is important. And then once you are ready, contact us to help you get pre-qualified and find a home. 

What is Pre-Qualification?

Pre-qualification is an important step for home buyers to take early in the process. What pre-qualification essentially entails is supplying a lender with relevant financial information for their review. This includes basic financial history information like your income, assets, outstanding debts, and your credit score.

Home buyers will want to keep in mind that mortgage pre-qualification does not always require documentation of your financial history. In most cases, home buyers can simply self-report their financial information. 

With this information in hand, a lender will review. From there, the lender will then be able to help home buyers understand what their options are moving forward. 

Why Home Buyers Need Pre-Qualification

With the pre-qualification process comes a number of benefits to home buyers, namely calculating a budget that works, streamlining the purchase process, and setting yourself up as a serious buyer in the eye’s of the seller.

In what is maybe the most important piece of the pre-qualification process, making the effort to complete this step helps home buyers crystallize the price range of their search. This is an essential piece of a successful home purchase as it helps prevent buyers from overextending themselves by buying a home they cannot afford. The last thing homeowners want is to end up house poor. That is, being able to barely make your house payments with no money left over for anything else.

On top of being the financially prudent thing to do, home buyers who get pre-qualified also set themselves up for a more efficient, streamlined process. After a lender reviews your financial history, you will be provided with a suggested price range that you can comfortably afford. By knowing this range from the onset of the home shopping process, buyers are able to avoid wasting their valuable time visiting or setting up scheduled viewings of homes that fall outside of this range.

Having this range in mind will also help home buyers avoid heartbreak. Far too often, home buyers fall in love with a home that they think is perfect, only to find out that the actual price is more than they can realistically afford.

Lastly, and maybe the most powerful reason for completing the pre-qualification process, home buyers who are pre-qualified send a signal to sellers that they should be taken seriously. This is especially important in those situations when a seller has received multiple offers. In a multi-offer scenario, sellers will take a number of factors into consideration in order to make the safest bet. And believe it or not, the “highest offer” is not always the “best offer” in the eyes of the seller.

Home buyers capable of demonstrating that they have a solid chance of being approved for a mortgage are far less risky for sellers. Which means that if you are hoping to stand out from the pack when submitting an offer, you will want to be able to show that you have the necessary credentials behind you.

Again, buying a home is an exciting time. But in order to succeed, home buyers need to have a clear understanding of what is involved.

Because getting pre-qualified is so important, we want to help arrange to have this done for you at no cost. From there, we will be able to either help get you into one of our homes that fits your needs or put you in touch a licensed agent to help you uncover the right home for you.


Let us help you get pre-qualified today.

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Investors: A Real Estate Agent’s Most Powerful Partnership

November 15, 2025
As any real estate agent knows, leads are the lifeblood to success. This is why it is no secret that a high percentage of most agents’ time is dedicated to uncovering possible leads via as many conduits as possible.  That being said, all leads are not created equal. Some leads roll in thanks to expensive paid profiles on real estate websites, or a billboard along the highway. Other leads result in spending hours searching for a deal, putting everything in place, and then having it fall apart at the last minute due to insufficient funding. These situations are extremely costly, both in terms of time and money. Which leads to a simple question: how can a real estate agent maximize their income potential and optimize their overall efforts? Thankfully, the answer is just as simple: work with experienced real estate investors. When a great real estate agent and a great real estate investor are able to team up, it can be a win-win situation for everyone involved. And once this system is in place, it can unleash a formidable income stream. To understand why working with a team of real estate investors like ourselves can be a powerful growth partnership for real estate agents, consider the following benefits: Pro to Pro When a deal does not work out or one party feels like they have wasted a considerable amount of time and resources, it is usually because there was a lack of experience involved. Stack a couple of these situations on top of each other, and a real estate agent can start to feel burned out pretty quickly. However, when you work with us, you are working with real estate professionals. We are here to get projects done. We know what we are getting into and we understand the process. When working with us, rest assured that the due diligence will be completed and we have our financing ready to go. It is also good to know that while every deal will have situations that will pop up, there will not be any surprises. Chances are, we have seen it before or at least have a first-degree connection in our network that also went through it. The bottom line is if we are wasting your time, we are wasting our time. And waste is never good. Continuous Deal Flow As the title implies, real estate investors are looking to make a lot of purchases. This means that we are constantly on the lookout for new properties to buy while at the same time, working to sell properties we have rehabilitated. As a result, the volume of our activity can generate sizeable income potential for our real estate agent partners. Compare this cycle with a typical homeowner. In the first place, a homeowner is usually just looking to either buy or to sell – not always both. Additionally, that homeowner – whom real estate agents spent so much time and money getting into their lead funnel – is only actively seeking your assistance once every decade, if you are lucky. That means you have to always be refilling the top of your lead funnel just to tread water. We Have the Systems Systems are the foundation for success. Which is why they are the pillars of our business. Our systems take the guesswork out of the equation. Our real estate agent partners will know exactly what we are looking for – from the neighborhoods we are interested in, to our cap rate, to a property’s income potential. With everyone being on the same page, we help real estate agents maximize their skills while optimizing their time and income potential. Network Exposure Our mission is to rejuvenate neighborhoods and increase the standard of living by improving the overall quality of housing for the residents. Because of this connection to our community, we have a broad network of individuals looking for good agents to work with. Being able to strengthen these connections by referring a trusted partner allows us to create a virtuous cycle in the community. Connecting great people in the community helps ensure that we keep our mission in focus. Partnering with great local real estate agents is an essential goal for our team. We passionately believe that doing so ensures the success of the local community while also contributing to the success of local businesses. If you are a local real estate agent looking to generate a profitable income stream, contact us today to start working together.
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Homebuilders urge Congress to address inventory crisis

November 15, 2025
Hampered by labor shortages, rising material costs and government regulation , homebuilders are looking to Congress for ways to decrease the estimated “under-building gap” of 5.5 million homes and help with housing affordability. The National Association of Home Builders (NAHB) is joining the National Association of Realtors (NAR) in its bid to rectify the tremendous housing shortage in the U.S.  NAHB CEO Jerry Howard testified before Congress and called on lawmakers to enact key policy proposals that will help homebuilders to expand the housing supply, reduce the housing deficit and improve housing affordability for all Americans. “Over the past decade, the residential construction industry has underbuilt and not kept pace with demand due to several supply-side constraints,” said Howard. “These include a lack of skilled labor and buildable lots, tight lending conditions, shortages and rapidly rising prices for building materials, and excessive regulatory burdens on homebuilders that have added approximately 25% to the cost of a single-family home and 33% to a multifamily unit. Progress must be made on all fronts to ease the supply-side challenges that are holding back housing production.” What can Congress and the Biden administration do to decrease the under-building gap? Howard requested the following steps to expand access to affordable housing: Fix the building materials supply chain. The U.S. must immediately engage with Canada to adopt a new softwood lumber agreement and stop the imposition of harmful tariffs on Canadian lumber that increase prices and price volatility. “Commerce Secretary Gina Raimondo has committed to holding a summit of industry stakeholders to examine supply chain issues for lumber and other materials and to explore policy solutions. We look forward to participating in that process,” said Howard. Lower constructions costs would help lower the under-building gap. Improve the Low-Income Housing Tax Credit. Congress needs to enact H.R. 2573, the Affordable Housing Credit Improvement Act, homebuilders said. The bill would finance more than 2 million additional multifamily units over the next decade by increasing the amount of credits allocated to each state and expanding the number of affordable housing projects that can be built using private activity bonds. It would be just one fix for the under-building gap. Reformulate current homeownership tax incentives. Recent tax changes have undermined the effectiveness of the mortgage interest deduction, resulting in fewer middle-class taxpayers itemizing and incentives flowing more to high-income households. A shift away from the mortgage interest deduction to a permanent homeownership tax credit that is targeted to lower- and middle-income Americans would make homeownership more accessible to hardworking American families. Additionally, a permanent, first-time homebuyer tax credit would complement this shift and could provide some relief to the challenge of accumulating a down payment. Source: https://www.housingwire.com/articles/homebuilders-urge-congress-to-address-inventory-crisis/