Why it's Important to Pre-Qualify
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Even if you haven't narrowed down homes to visit yet, it's advantageous to see your mortgage professional first. Why? It might be hard to fathom the ways we can help even before you begin to calculate your offer.
We will help you see how much of a mortgage you can afford, and how much money you will be able to borrow, by walking you through the pre-qualification process. The process outlines your finances - your debt, income, employment, and down payment money, among other things. It's short and to the point; We keep the paperwork light.
We will award you a Pre-Qualification Letter if you qualify, that documents that we are confident you'll qualify for up to a predetermined amount of mortgage dollars.
Power in the Pre-Qual
Holding your pre-qualification letter, several advantages are yours once you find the home you want to put together an offer for. First of all, you have some concrete numbers in mind, as the total you will be able to borrow.
Even more important to the seller of the house, your pre-qualification letter gives them confidence - as if you had come into their home with a bag of cash to back up the offer! They will not have to wonder if that they're wasting their time if you do not be able to qualify for a high enough mortgage loan. The seller of the home won't worry if he can trust you to qualify for your loan.Your qualifying for the necessary mortgage loan amount won't be something for them to lose sleep over. You have the capability to back up your offer.
We help with your pre-qualification
Our mortgage professionals will help you find out how much of a loan you can qualify for and the monthly payment amount you can afford by getting you pre-qualified. The process outlines your financial situation - your debts, income, employment, down payment money, among other things. It is a quick, thorough process with minimal risks for papercuts.
One on one
While you are encouraged to benefit from our tools to calculate mortgage variables on this site, it's a good idea to meet with us. That way, we can help you get your pre-qualification letter. Then, we can make sure we have found the best mortgage program for you. Let us help you get started: Call us at 6507631924.
Have questions about pre-qualifying? Call us at 6507631924. Norcal Capital Group, Inc answers pre-qualifying questions every day.