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It is valuable to visit with a mortgage loan pro first, even before you have determined the kind of home to search for. Why? Perhaps it is difficult to understand the way we can help even before you start to negotiate.
We Will Help You Pre-Qualify
When we pre-qualify you, we help you find out the amount in mortgage payments you can afford, and how much we of a loan you will qualify for. During the process, we calculate your ability to borrow - reviewing your employment, money available for down payment, debts, income, and other circumstances. We will require a minimum amount of paperwork, and avoid a lengthy process.
When you are considered eligible, we prove our confidence in your ability to qualify for a loan by awarding you a Pre-Qualification Letter (also known as a "pre-qual").
Once you find the house that meets your needs, and you want to make an offer, being pre-qualified for a mortgage will do a number of things. First, it lets you know how much you're able to offer.
Of greater importance to the current home owner, your being pre-qualified is like your having entered their front door with a bag full of cash ready to make the deal! They won't need to worry that that they're wasting their time if you do not have the ability to qualify for a high enough mortgage loan. The seller won't be concerned that he won't be able to trust you to qualify for your loan.Your qualifying for the necessary loan amount won't be something for them to fret over. They have a virtual guarantee to trust your ability to back up your offer.
We can help you pre-qualify
We can help determine how much of a mortgage loan you can afford, and how much money you may be able to borrow, by walking you through the pre-qualification process. This process takes you through your financial situation - your debt, income, employment, down payment money, among other things. It's a quick, thorough process with minimal risks for papercuts.
One on one
While you are able to try our mortgage calculators on this site, it's essential to sit down and talk with one of our mortgage professional team members. For one thing, you will want a Pre-Qualification Letter! For another thing, we could find a different mortgage loan option that is a better fit for you. Let us help you get started: Contact us at (310) 373-7406.
Have questions about pre-qualifying? Call us at (310) 373-7406. It's our job to answer pre-qualification questions, so we're happy to help!