Qualifying for mortgage programs has become increasingly difficult. It is critical that you work with an adviser that can accurately analyze your income and assets to make sure you do not miss out on available opportunities or waste valuable time. Within your own search you may find a lender that may have excellent rates and programs but is inaccessible or unable to properly address your questions and concerns. On the particular program you are interested in, that lender may have restrictive qualifying ratios or tight credit guidelines. You could spend many hours rate shopping only to find out that "great" rate is not available to you, or worse, spend weeks after applying to find out you do not qualify for that loan or provide an approval and leave you unable to understand it or how to clear the conditions to get to closing! We will take the time to explain the options and provide enough information so that you can make your best choice. Benchmark will prequalify you at no cost, saving you much time and energy.