When to Speak to a Mortgage Pro
Searching for mortgage advice? We'll be glad to discuss your mortgage needs! Call us at (310) 373-7406. Want to get started? Apply Now.
It is important to consult your mortgage loan professional as soon as possible — even before you've started to consider neighborhoods. Why? What can we do for you before you have made an offer, and don't know yet the amount you want to borrow?
We Will Help You Pre-Qualify
When we pre-qualify you, we help you decide the amount in monthly payments you can fit in your budget, and the size of loan you can qualify for. During the process, we determine your borrowing power - analyzing your earning status, available money for down payment, debts, income, and other circumstances. It's a quick, thorough process with minimal risks for papercuts.
We will award you a Pre-Qualification Letter if you qualify, which says that we're confident you can qualify for a specific amount of mortgage dollars.
When you find the house that is right for you, and you want to put together an offer, being pre-qualified for a mortgage will do a couple of things. First of all, you have some concrete numbers in mind, as the total you will be able to borrow.
Even more important to the seller of the house, your pre-qualification gives them confidence - as if you'd arrived at their home with a suitcase of cash to make the offer! They won't need to wonder if that they're wasting their time if you don't be able to qualify for a high enough mortgage. The seller won't wonder if he can count on you to qualify for your loan.Your qualifying for your needed loan amount won't cause them concern. You have the capability to back up your offer.
We will help you with your pre-qualification
We can help you see how much of a mortgage loan you can afford, and the amount of money you will be able to borrow, by walking you through pre-qualifying. In this process, we calculate your borrowing power - analyzing your employment, money available for down payment, debts, income, and other circumstances. It's quick and basic; and we take pride in keeping the paperwork light.
One on one
You can certainly use the mortgage calculators available on this website to calculate how much mortgage you will be able to afford - but it's also important to talk with us. That way, we can help you get your pre-qualification letter. Then, we will make sure we have the right mortgage program for your situation. Contact us at (310) 373-7406 to get started.
Have questions about pre-qualifying? Call us at (310) 373-7406. We answer pre-qualification questions every day.