The Importance of Pre-Qualifying
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Even if you have not so much as researched homes to view yet, it can be valuable to see your mortgage pro early. Why? What can we do for you if you have not made an offer, and don't know yet how much you want to borrow?
We can help you calculate how much of a loan you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified. This process outlines your financial situation - your debt, income, career, and cash available for down payment, among other things. We ask for a minimum amount of paperwork, and avoid a lengthy process.
We'll award you a Pre-Qualification Letter after you qualify, that documents that we're confident you will qualify for a specific amount of mortgage dollars.
After you find a house that is right for you, and you want to make an offer, being pre-qualified for a mortgage will do a number of things. First, you have some general numbers in mind, as the amount you will qualify for on your mortgage.
Your pre-qualification also will make your offer look even better to the home seller, like you were bringing them a big box of cash! They need not be concerned that they are wasting their time if you won't be able to 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 your needed loan amount will not cause them concern. You have the sway of a buyer ready to make the purchase right now!
We help with your pre-qualification
We will help you calculate 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 finances - your debt, income, career, down payment money, among other things. It's quick and basic; and we keep the paperwork light.
Face to Face
While you are able to benefit from our tools to calculate mortgage variables on our website, it's a good idea to meet with us. That way, we will help you get your pre-qualification letter. Next, we can study your loan choices and be sure you have found the best one. We are eager to meet with you: call us at (650) 689-5684.
Have questions about pre-qualifying? Call us at (650) 689-5684. We answer pre-qualification questions every day.