When to Talk to Your Mortgage Professional About Pre-Qualifying

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Even if you haven't picked out homes to visit yet, it's valuable to contact your mortgage pro first. Why? How can we help you before you have negotiated an amount, and don't yet know the amount you need to borrow?

Pre-Qualify

We will help you calculate how much of a mortgage you can afford, and how much money you can borrow, by walking you through the pre-qualification process. The process leads you through your finances - your debt, income, career, and down payment money, among other things. It's quick and to the point; We take pride in keeping the paperwork light.

We give you a Pre-Qualification Letter if you qualify, which says that we're confident you'll qualify for up to a specific amount of mortgage loan dollars.

Power in the Pre-Qual

When you locate a house that catches your eye, and you decide to make an offer, being pre-qualified for a mortgage will do several things. First, it helps you know the amount that you are able to offer. Being pre-qualified can also make your offer more attractive to the home seller, like you were bringing them a bag full of cash! They need not worry that that they are wasting their time if you will not have the ability to qualify for a big enough mortgage loan. The seller won't worry if he can trust you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary mortgage loan amount won't be something for them to be concerned about. You'll have the clout of a buyer ready to make the purchase right now!

We help with your pre-qualification

When we pre-qualify you, we help you determine how much of a monthly payment you can afford, and how much we of a loan you can qualify for. This process takes you through your financial situation - your debts, income, job, cash available for down payment, among other things. It is a short, thorough process with minimal risks for papercuts.

One-on-One

You can always use the calculators on our website to get an idea of how much mortgage you'll be able to afford - but it's also important to meet with one of our mortgage professionals. We can work toward your pre-qualification letter. Then, we will make sure we have the ideal mortgage program for you. Contact us at 3103737406 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at 3103737406. Riviera Funding NMLS#861382 CA DRE Broker #01186669 answers pre-qualifying questions every day.