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Even if you haven't so much as narrowed down homes to view yet, it can be advantageous to visit with your mortgage professional first. Why? What can we do for you before you have made an offer, and do not know yet the amount you need to borrow?
We Will Help You Pre-Qualify
Our mortgage professionals will help you determine how much of a loan you can qualify for and the monthly payment amount you are able to afford by helping you pre-qualify. We accomplish this by considering your income and debts, your work and residence circumstances, your available funds for down payment, required reserves, and other financial considerations. It's short and basic; We take pride in keeping the paperwork light.
After you qualify, we present to you a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), which states that we are partnering with you to find the ideal loan to meet your needs and that we are confident you'll qualify for a loan up to a certain amount.
Power in the Pre-Qual
Holding your pre-qualification letter, some advantages are yours at the point you locate the house you want to make an offer on. First, it helps you know how much you're able to offer.
More important to the seller, your pre-qualification is like your having entered their house with a suitcase full of cash to make the deal! They will not need to be concerned they have been wasting their time if you won't be able to be able to qualify for a big enough mortgage. The seller of the home won't be concerned that he can't trust you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed mortgage loan amount will not cause them concern. They have a virtual guarantee to trust your buying power.
We will help you pre-qualify
Our mortgage professionals can help you calculate the loan amount you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. The process outlines your financial situation - your debt, income, employment, down payment money, among other things. It's short and to the point; and we keep the paperwork light.
It is important for you to sit down and talk with us, even though you are welcome to also utilize the helpful mortgage calculator tools on this site. That way, we'll be able to help you get your pre-qualification letter. Then, we'll make sure we have the right mortgage loan program for you. Contact us at 6507631924 to get your pre-qualification process started.
Have questions about pre-qualifying? Call us at 6507631924. It's our job to answer pre-qualification questions, so we're happy to help!