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What is Pre-Qualification?

Maybe you’re new to the home buying process or maybe you’ve been here before. No matter what, you want to be prepared. Getting pre-qualified is one of the smartest things you can do before you start house hunting. It will give you a solid idea of what your loan program looks like and how much you are able to borrow in advance.

Plains Commerce Bank estimates your mortgage pre-qualification based on your income and assets. The pre-qualification amount is your maximum loan amount based on your debt-to-income ratio. Pre-qualification will help you set your expectations and your budget, allowing you to confidently negotiate with sellers. 

What you'll need to get pre-qualified with us:

  • Estimated Income 
  • Estimated Assets
  • Estimated Liabilities

Make the most out of your house hunting experience by contacting us first. 

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Call A Mortgage Banker

It takes about 29 minutes to get pre-qualified with one of our mortgage officers if you call today.

Find your local Plains Commerce Bank or call toll-free at 1.877.227.7548 any time between 8am - 5pm (Monday through Friday) to get pre-qualified. 

Apply Online

Convenience is important to us.

Apply online at any time of day or night. One of our mortgage bankers will respond within 48 hours to help you get pre-qualified.