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It is helpful to bring in your mortgage loan professional as soon as possible — even before you have started to research neighborhoods. What for? When you do not know yet how much home you need to qualify for, how could we help?
We Can Help You Pre-Qualify
When we pre-qualify you, we help you decide how much of a monthly payment you can afford, and the size of loan you will qualify for. The process walks you through your finances - your debt, income, job, and down payment money, among other things. It's quick and to the point; We keep the paperwork to a minimum.
Once you qualify, will give you a Pre-Qualification Letter (your real estate agent may refer to it as a "pre-qual"), which documents the fact that we are partnering with you to find the ideal mortgage loan program to fit your needs and that we are confident you'll qualify for a mortgage for up to a certain amount.
With your pre-qualification letter, some advantages fall at your feet once you locate the house you want to make an offer on. First, you have some concrete numbers in mind, as the amount you will qualify for with your mortgage loan.
Even more important to the seller of the house, your pre-qualification gives them confidence - as if you had come to their house with a bag of cash to back up the offer! They will not need to worry that they have been wasting their time if you do not be able to qualify for a high enough mortgage loan. The seller of the home won't worry if he can count on you to qualify for your loan.Your qualifying for your needed loan amount will not cause them concern. You have the ability to back up your offer.
We can help you pre-qualify
We can help you see how much of a mortgage you can afford, and the amount of money you will be able to borrow, by walking you through pre-qualifying. In the process, we determine your ability to borrow - looking at your earning status, money available for down payment, existing debt, income, and other areas. It's short and basic; and we take pride in keeping the paperwork to a minimum.
One on one
While you can benefit from our tools to calculate mortgage variables on this site, it will be a good idea to sit down and talk with one of our mortgage professional team members. We can begin working on your pre-qualification letter. For another thing, we might find a different mortgage loan option that better fits your needs. We're waiting to hear from you: 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!