When to Talk to a Mortgage Professional
Shopping for a mortgage loan? We'll be glad to answer your questions about our many mortgage solutions! Give us a call at (650) 689-5684. Ready to begin? Apply Here.
It is valuable to visit with a mortgage loan pro first, even if you haven't settled on what type of home to search for. Why? If you do not know yet how much house you need to qualify for, how could we help?
We Will Help You Pre-Qualify
When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford, and the loan amount you can qualify for. During this process, we look at your ability to borrow - analyzing your employment, available money for down payment, existing debt, income, and other circumstances. It is a short, thorough process with minimal risks for papercuts.
After you are considered eligible, we document our confidence in your ability to qualify for a mortgage by awarding you a Pre-Qualification Letter (also known as a "pre-qual").
Power in the Pre-Qual
Armed with your pre-qualification letter, several advantages are yours at the point you locate the house you want to put together an offer for. First, you have some general numbers in mind, as the total you will qualify for with your loan.
Having pre-qualification also will make your offer more attractive to the seller, like you were bringing them a suitcase of cash! They won't need to wonder if that they're wasting their time if you do not have the ability to qualify for a big enough mortgage loan. The seller of the home won't be concerned that he can't count on you to qualify for your loan.Your qualifying for the necessary loan amount will not be something for them to worry about. You have the ability to back your offer up.
We can help you pre-qualify
We can help determine how much of a mortgage you can afford, and the amount of money you can borrow, by taking you through pre-qualifying. The process outlines your financial situation - your debts, income, job, cash available for down payment, among other things. We as for a minimum amount of paperwork, and avoid a lengthy process.
Face to Face
You can certainly use the mortgage calculators here on this website to get an idea of how much mortgage you'll be able to afford - but it's also essential to talk with us. For one thing, you'll need a Pre-Qualification Letter! Then, we'll make sure we have chosen the ideal mortgage program for you. We are waiting to hear from you: call us at (650) 689-5684.
Have questions about pre-qualifying? Call us at (650) 689-5684. It's our job to answer pre-qualification questions, so we're happy to help!