When to Talk to a Mortgage Professional About Pre-Qualifying
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Even if you have not so much as narrowed down homes to view yet, it's important to contact your mortgage loan professional early. Why? When you do not yet know how much home you want to qualify for, how can we help?
We will help you find out how much of a loan you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. During the process, we explore your ability to borrow - looking at your earning status, money available for down payment, existing debt, income, and other circumstances. It is a short, thorough process with minimal risks for papercuts.
We give you a Pre-Qualification Letter when you qualify, that says that we're confident you will qualify for a predetermined amount of mortgage dollars.
Once you locate a house that is best for you, and you want to put together an offer, being pre-qualified for a loan will do a number of things. First, you have some concrete numbers in mind, as the total you can borrow.
Of greater importance to the seller, your being pre-qualified is like your having walked into their front door with a bag full of money ready to purchase their house! They won't need to wonder if they're wasting their time if you can't be able to qualify for a big 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 be something for them to be concerned about. They have a virtual guarantee to trust your ability to back up your offer.
We will help you pre-qualify
We will help you see how much of a mortgage loan you can afford, and the amount of money you can borrow, by taking you through pre-qualifying. This process outlines your finances - your debt, income, employment, down payment money, among other things. We will require a minimum amount of paperwork, with a short, basic process.
Face to Face
While you are able to benefit from our tools to calculate mortgage variables on our site, it's a good idea to sit down and talk with one of our mortgage professional team members. We can work toward your pre-qualification letter. Then, we can make sure we have the best mortgage program for your situation. Contact us at 4056158543 to get started.
Have questions about pre-qualifying? Call us at 4056158543. It's our job to answer pre-qualification questions, so we're happy to help!