Regardless of how certain you are that you will qualify for a mortgage, it is always an excellent idea to formalize this certainty by prequalifying. This will officially address any questions about whether or not you qualify - including your eligibility for the various programs - and enable you to make a firm offer for the home of your choice.

After a brief telephone contact from the mortgage consultant discussing options, and requesting you to send proof of income and employment, you can be "pre-qualified" with the absolute minimum of fuss - and the maximum of convenience.