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.




Homeowners Financial Group is here to assist with mortgage services you can trust. Since 2004, they have bee committed to serving the needs of borrowers, while maintaining a corporate culture focused on family, with exceptional customer care. They don’t just make loans, they put the home of your dreams within your grasp.

Valerie Clymer has won many awards for her excellence in the mortgage industry. Se is  your mortgage professional at the Colbert Office location. With her 30+ years of experience in the mortgage industry, Valerie is prepared to help you find the best loan for you, whether you are a First-Time Homebuyer, a Veteran, or a master of the Real Estate market.


The Ameris Bank Mortgage Services office in Palm Coast is your source for loan services and resources. Mortgage Broker Katie Ditton has years of experience in home loan finance and extensive knowledge about mortgage lending opportunities in Palm Coast and Flagler County.



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