In the market for a new mortgage? We'll be glad to talk about our mortgage offerings! Call us at (650) 689-5684. Ready to get started? Apply Here.
It can be helpful to visit with a mortgage professional first, even if you haven't settled on what type of house to search for. Why? What can we do for you before you have made your offer, and do not know yet how much you need to borrow?
We Will Help You Pre-Qualify
When we pre-qualify you, we help you determine the amount in monthly payments you can fit in your budget, and the size of loan you can qualify for. The process outlines your current financial situation - your debt, income, job, and down payment money, among other things. We require a minimum amount of paperwork, with a quick process.
Once you are determined to be eligible, we document our confidence in your potential to qualify for a loan by awarding you a Pre-Qualification Letter (also called a "pre-qual").
Once you locate a house that is ideal for you, and you want to make an offer, being pre-qualified for a loan will do several things. First, it lets you know the amount that you're able to offer.
Your pre-qualification also will make your offer look even better to the seller, like you were bringing them a suitcase of cash! They won't need to wonder if they have been wasting their time if you don't be able to qualify for a big enough mortgage. The seller of the home won't be concerned that he won't be able to count on 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 have the capability to back your offer up.
We will help you pre-qualify
Our mortgage professionals can help you determine the loan amount you can qualify for and the monthly payment amount you can afford by helping you pre-qualify. The process walks you through your financial situation - your debt, income, employment, down payment money, among other things. It's short and to the point; and we take pride in keeping the paperwork to a minimum.
Face to Face
You can certainly use the calculators on this site to get an idea of how much mortgage you'll be able to afford - but it's also valuable to meet with one of our mortgage professionals. For one thing, you will need a Pre-Qualification Letter! Next, we can consider your mortgage loan options and make sure you are in the right one. Let us get you started: Contact us at (650) 689-5684.
Have questions about pre-qualifying? Call us at (650) 689-5684. We answer pre-qualification questions every day.