One of the most important things in buying a house is getting a prequalification. Getting a prequalification not only allows you to know that you have the ability to buy a house, but it allows you to know what your price point is. It is an emotional roller coaster if you find the house of your dreams, but then you find out you are not eligible, due to your income or debts. When you get prequalified, you are able to know that your credit situation is all set. Fixing your credit takes time; if you do not get prequalified then you can delay your closing unnecessarily. Where when you go through the prequalification process you can figure out these situations upfront and deal with them while you are looking for the perfect house. When you get that preapproval you get that piece of mind, knowing your credit and income situation is all set. At the very least, if you are not eligible you will know what you need to do to become eligible. You will also have a timeframe where if you follow the advice from the loan officer you should be eligible in the future. You will be able to set a goal and achieve the dream of homeownership with a zero percent down loan. I hope we can help you in this process of getting the best loan to suit your needs.