Why it's Important to Pre-Qualify
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It's valuable to bring in your mortgage loan professional early — even before you have begun researching neighborhoods. Why? How can we help you before you have negotiated a purchase amount, and don't know yet the amount you need to borrow?
We Will Help You Pre-Qualify
We will help you see how much of a mortgage you can afford, and the amount of money you can borrow, by walking you through pre-qualifying. We achieve this by reviewing your debts and income, your employment and residence circumstances, your funds available for down payment, required reserves, and other financial considerations. It's a quick, thorough process with minimal risks for papercuts.
We give you a Pre-Qualification Letter if you qualify, which states that we're confident you'll qualify for a specific amount of mortgage dollars.
Armed with your pre-qualification letter, a number of advantages are yours at the point you find the house you want to make an offer for. First, you have some definite numbers in mind, as the total you will qualify for with your mortgage loan.
Being pre-qualified can also make your offer look even better to the home seller, as if you were bringing them a suitcase full of cash! They will not need to wonder if they're wasting their time if you don't have the ability to qualify for a high enough mortgage loan. The seller won't be concerned that he won't be able to trust you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary mortgage loan amount will not cause them concern. You'll have the clout of a buyer ready to make the deal right now!
We help with your pre-qualification
We will help you calculate the loan amount you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. During the process, we determine your capacity to borrow - looking at your job, available money for down payment, debt, income, and other circumstances. It's short and basic; and we keep the paperwork to a minimum.
One on one
It is vital to sit down and meet with us, even though you are welcome to also use the helpful mortgage loan calculator tools on our site. For one thing, you'll need a Pre-Qualification Letter! Then, we will make sure we have the best mortgage program for your situation. Contact us at (650) 689-5684 to get started.
Have questions about pre-qualifying? Call us at (650) 689-5684. We answer pre-qualification questions every day.