When to Talk to Your Mortgage Professional

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It is important to visit with a mortgage professional early, even if you haven't settled on what sort of home to look for. Why? Perhaps it's difficult to fathom how we can help even before you begin to calculate your offer.

We Can Help You Pre-Qualify

Our mortgage professionals can help you determine the loan amount you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified. During the process, we calculate your borrowing power - reviewing your employment, available money for down payment, existing debt, income, and other areas. It's a quick, thorough process with minimal risks for papercuts.

After you are considered eligible, we prove our confidence in your capacity to qualify for a mortgage loan by giving you a Pre-Qualification Letter (also known as a "pre-qual").

Pre-Qual Power

Holding your pre-qualification letter, some advantages are yours once you locate the home you want to put together an offer on. First, it helps you know the amount that you are able to offer. Even more important to the seller of the home, your pre-qualification gives them confidence - as if you'd entered their home with a bag of cash to back up the offer! They need not wonder if they're wasting their time if you will not be able to qualify for a high enough mortgage loan. The seller won't worry if he can count on you to qualify for your mortgage in the amount you will need.Your qualifying for your needed loan amount won't be something for them to be concerned about. They have a virtual guarantee to trust your ability to back up your offer.

We will help you with your pre-qualification

When we pre-qualify you, we help you decide the amount you can afford in monthly mortgage payments you can fit in your budget, and how much we of a loan you can qualify for. In the process, we calculate your borrowing potential - reviewing your earning status, money available for down payment, debt, income, and other circumstances. It's a short, thorough process with minimal risks for papercuts.

One on one

You can always use the mortgage calculators on this site to calculate how much mortgage you can afford - but it's also essential to meet with one of our mortgage professionals. That way, we'll help you get your pre-qualification letter. Next, we can review your mortgage choices to make sure you have found 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.