Before you start looking for your first home, First Christian Mortgage can help you get mortgage prequalification.

First Christian Mortgage can help you get pre-qualified and on your way to homeownership! With a prequalification letter in hand, you can better understand how much you may qualify to borrow before you start shopping. Simply fill out our mortgage prequalification form securely on our website.

Some realtors require buyers to get pre-qualified before even starting to house hunt. In addition, a mortgage prequalification letter can help you narrow your search and find the home that fits your needs. It also makes the mortgage application process smoother.

Determine how your credit looks.

Lenders review your payment history, income, and current debts to determine how likely you are to make your monthly loan payments. Your credit score also helps lenders determine whether you qualify for a mortgage.

You can also check your credit report and credit score online for free. Two of our favorites are www.freecreditreport.com and www.creditkarma.com.

If your credit score is below 640, review your credit report to make sure the information is accurate. Stay current with your monthly payments and reduce debt where possible to improve your score.