If you are interested in buying a home in today's market it is nearly required that you get a "pre-qualification letter". In a hot real estate market sellers want to know that you have the income and assets to buy their home, if you like it, before you make them leave for a showing. It is equally a good idea for a buyer. Why would you want to look at homes that are not in your price range? A Pre-Qual letter is as easy to obtain as clicking on the tab on my web site that says "info about buying". At the bottom of that page are at least two mortgage companies that can give you all the info you need to start your home search. Just click the button and you will be directed to a page to begin the simple process. There is no charge for prequalification and it should only take a few mnutes of your time. I encourage you to go to http://www.timdardis.com/buy and start your search today!