To improve your chances of getting the home you want, at the price you want, you need a letter of pre-qualification. Nothing gets a seller's attention as the knowledge that you are a qualified buyer. You will be in a much better position to negotiate because the seller knows you've done your homework and your offer is real. We can tell you exactly how much you can borrow so you don't waste time making offers on the wrong homes. If your credit is challenged, no problem! If you need 100% financing, no problem! If you cannot show income, no problem! If you're a foreign national with no credit history, no problem!