Even if you haven't so much as picked out homes to view yet, it is important to visit with a lending professional first. Armed with your pre-qualification letter, several advantages fall at your feet at the point you locate the house you want to put together an offer on. First, you have some general numbers in mind, as the total you will be able to borrow. More important to the current home owner, your pre-qualification is like your having walked into their house with a bag full of cash to purchase their house! They will not have to be concerned they are wasting their time if you can't have the ability to qualify for a high enough mortgage loan.The seller won't wonder if he can count on you to qualify for your mortgage in the amount you will need. You will have the influence of a buyer ready to make the purchase on the spot.