Why it's Important to Pre-Qualify
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It's helpful to see a mortgage loan pro early, even if you haven't decided the sort of home you hope to find. Why? If you don't know yet how much home you want to qualify for, what could we help you with?
Our mortgage professionals will help you determine the loan amount you can qualify for and the mortgage payment amount you can afford by getting you pre-qualified. We will do this by analyzing your debts and income, your work and residence situations, your funds available for down payment, required reserves, and some other things. It's a short, thorough process with minimal risks for papercuts.
After you qualify, will give you a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), that documents the fact that we are helping you to find the ideal loan to fit your needs and that we're confident you'll qualify for a mortgage loan for a specific amount.
Various beneifits open to you when you find your new house, and have achieved pre-qualification power. First, it lets you know how much you are able to offer.
Of greater importance to the home seller, your being pre-qualified is like your having entered their house with a suitcase full of cash ready to purchase their house! They will not have to worry that they are wasting their time if you won't be able to be able to qualify for a high enough mortgage. The seller won't be concerned that he won't be able to count on you to qualify for your loan.Your qualifying for the necessary mortgage loan amount will not cause them concern. You have the ability to back your offer up.
We can help you pre-qualify
We will help you calculate the loan amount you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. This process outlines your finances - your debts, income, job, cash available for down payment, among other things. We will ask for a minimum amount of paperwork, and avoid a lengthy process.
Face to Face
While you can benefit from our mortgage calculators on this site, it is essential to sit down and talk with one of our mortgage professional team members. For one thing, you will need a Pre-Qualification Letter! Next, we can review your loan choices to make sure you are in the best one. Contact us at 6507631924 to get 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!