Why Pre-Qualification is Important
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It is helpful to visit with a mortgage loan pro early, even if you haven't settled on the kind of house to search for. Why? How can we help before you have negotiated a price, and do not yet know the amount you want to borrow?
We Can Help You Pre-Qualify
Our mortgage professionals can help you determine the loan amount you can qualify for and the monthly mortgage payment amount you are able to afford by getting you pre-qualified. This process outlines your finances - your debt, income, job, and cash available for down payment, among other things. It's short and basic; We take pride in keeping the paperwork to a minimum.
We'll give you a Pre-Qualification Letter once you qualify, that states that we're confident you'll qualify for up to a certain amount of mortgage loan dollars.
After you locate a house that catches your eye, and you want to make an offer, being pre-qualified for a loan will do a number of things. The first is that you'll be sure what you'll be able to afford when calculating your offer.
More important to the current home owner, your pre-qualification is like your having walked into their house with a bag full of cash to make the deal! They need not be concerned that they have been wasting their time if you will not have the ability to qualify for a big enough mortgage. The seller of the home won't be concerned that he can't 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 worry about. You can have the influence of a buyer ready to make the purchase right now!
We help with your pre-qualification
We will help you see how much of a mortgage loan you can afford, and how much money you will be able to borrow, by walking you through pre-qualifying. We do this by considering your income and debts, your employment and residence situations, the available funds for down payment, required reserves, and other considerations. It's short and basic; and we keep the paperwork light.
One on one
While you are able to try our tools to calculate mortgage variables on our site, it's a good idea to meet with us. That way, we can help you get your pre-qualification letter. Then, we will make sure we have the best mortgage loan program for your situation. Let us help you get started: Contact us at 3103737406.
Have questions about pre-qualifying? Call us at 3103737406. It's our job to answer pre-qualification questions, so we're happy to help!