When to Talk to Your Mortgage Pro

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It is helpful to visit with a mortgage loan pro early, even before you've decided the kind of house you hope to find. Why? If you don't know yet how much house you need to qualify for, how could we help?

Pre-Qualify

We will help you see how much of a mortgage you can afford, and how much money you can borrow, by taking you through the pre-qualification process. We can do this by analyzing your income and debts, your work and residence situations, the available funds for down payment, required reserves, and some other things. It's a short, thorough process with minimal risks for papercuts.

After you are determined to be eligible, we document our confidence in your capacity to qualify for a mortgage loan by giving you a Pre-Qualification Letter (also called a "pre-qual").

Buying Clout

Various beneifits open to you when you have found your next house, and have pre-qualification power. First of all, you have some general numbers in mind, as the amount you can borrow. Having pre-qualification will also make your offer look even better to the home seller, like you were bringing them a suitcase full of cash! They need not be concerned that they are wasting their time if you don't be able to qualify for a big enough mortgage loan. The seller won't worry if he can trust you to qualify for your loan.Your qualifying for the necessary loan amount will not be something for them to be concerned about. You have the capability to back your offer up.

We can help you pre-qualify

When we pre-qualify you, we help you figure out the amount you can afford in mortgage payments you can afford, and how much we of a loan you will qualify for. This process outlines your finances - your debts, income, job, down payment money, among other things. We will ask for a minimum amount of paperwork, and avoid a lengthy process.

One-on-One

You can certainly use the calculators here on this site to calculate the size mortgage you will be able to afford - but it's also essential to meet with us. We can work toward your pre-qualification letter. Next, we can study your mortgage loan choices to be sure you have chosen the best one. Contact us at 6507631924 to get started.

Have questions about pre-qualifying? Call us at 6507631924. Norcal Capital Group, Inc answers pre-qualifying questions every day.