When to Speak to a Mortgage Pro
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Even if you've not picked out homes to visit yet, it can be advantageous to contact your mortgage professional first. What for? How can we help you before you have made your offer, and do not know yet the amount you want to borrow?
Our mortgage professionals can help you find out the loan amount you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. During this process, we explore your borrowing capacity - looking at your employment, available money for down payment, existing debt, income, and other circumstances. It's short and to the point; We take pride in keeping the paperwork light.
We give you a Pre-Qualification Letter once you qualify, that states that we're confident you'll qualify for up to a specific amount of mortgage dollars.
Holding your pre-qualification letter, several advantages fall at your feet when you locate the home you want to make an offer for. First, it helps you know how much you are able to offer.
Of greater importance to the current home owner, your pre-qualification is like your having walked into their front door with a suitcase full of money to make the deal! They need not wonder if they have been wasting their time if you do not be able to qualify for a high enough mortgage. The seller won't worry if he can trust you to qualify for your loan.Your qualifying for the necessary loan amount won't cause them concern. You have the influence of a buyer ready to make the deal right now!
We can help you pre-qualify
We can help you determine the loan amount you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. In the process, we calculate your ability to borrow - looking at your earning status, money available for down payment, existing debt, income, and other areas. It's a quick, thorough process with minimal risks for papercuts.
One on one
You can always use the calculators available on our site to calculate how much mortgage you'll be able to afford - but it's also important to meet with one of our mortgage professionals. That way, we will help you get your pre-qualification letter. For another thing, we may be able to find a different mortgage choice that fits your goals better. Contact us at 3103737406 to get your pre-qualification process started.
Have questions about pre-qualifying? Call us at 3103737406. It's our job to answer pre-qualification questions, so we're happy to help!