Why it's Important to Pre-Qualify
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It is valuable to bring in your mortgage professional early — even before you have begun narrowing down neighborhoods. Why? When you don't know yet how much home you need to qualify for, what can we do for you?
We Will Help You Pre-Qualify
When we pre-qualify you, we help you find out how much of a monthly payment you can fit in your budget, and how much we of a loan you can qualify for. During the process, we explore your ability to borrow - reviewing your employment, available money for down payment, debts, income, and other circumstances. It's a quick, thorough process with minimal risks for papercuts.
We will give you a Pre-Qualification Letter when you qualify, that says that we are confident you will qualify for up to a specific amount of mortgage dollars.
Power in the Pre-Qual
Once you locate a house that catches your eye, and you decide to put together an offer, being pre-qualified for a mortgage will do several things. First of all, you have some definite numbers in mind, as the amount you can borrow.
Of greater importance to the seller, your pre-qualification is like your having entered their house with a bag full of cash ready to make the deal! They will not need to be concerned that they have been wasting their time if you don't be able to qualify for a high enough mortgage. The seller won't be concerned that he can't trust you to qualify for your loan.Your qualifying for your needed loan amount will not cause them concern. You have the ability to back your offer up.
We will help you pre-qualify
Our mortgage professionals will help you find out how much of a loan you can qualify for and the monthly mortgage payment amount you are able to afford by helping you pre-qualify. During this process, we explore your ability to borrow - analyzing your earning status, available money for down payment, debt, income, and other circumstances. It is a quick, thorough process with minimal risks for papercuts.
You can certainly use the mortgage calculators on our site to calculate how much mortgage you'll be able to afford - but it's also important to talk with one of our mortgage professionals. For one thing, you'll need a Pre-Qualification Letter! Next, we can review your mortgage options to make sure you are in the right one. Let us help you get started: Call 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!