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It's valuable to bring in your mortgage loan professional as soon as possible — even before you have started to research neighborhoods. What for? If you do not know yet how much home you want to qualify for, how could we help?
When we pre-qualify you, we help you determine how much of a monthly payment you can afford, and the loan amount you will qualify for. This process leads you through your finances - your debts, income, career, and down payment money, among other things. It is a short, thorough process with minimal risks for papercuts.
We'll award you a Pre-Qualification Letter if you qualify, which states that we are confident you'll qualify for a predetermined amount of mortgage loan dollars.
Holding your pre-qualification letter, a number of advantages fall at your feet when you find the home you want to make an offer for. First, it helps you know the amount that you can offer.
Having pre-qualification can also make your offer more attractive to the home seller, like you were bringing them a suitcase of cash! They need not wonder if they have been wasting their time if you do not be able to qualify for a big enough mortgage loan. The seller won't be concerned that he can't count on you to qualify for your loan.Your qualifying for your needed loan amount will not be something for them to worry about. You have the capability to back up your offer.
We can help you pre-qualify
Our mortgage professionals will help you find out how much of a loan you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. In the process, we look at your ability to borrow - analyzing your employment, money available for down payment, existing debt, income, and other areas. We will require a minimum amount of paperwork, with a quick process.
One on one
It is important to sit down and talk with us, even though you are welcome to also use the helpful mortgage calculators on this site. For one thing, you will need a Pre-Qualification Letter! Next, we can consider your mortgage program options and be sure you are in the best one. Contact us at 4056158543 to get started.
Have questions about pre-qualifying? Call us at 4056158543. We answer pre-qualification questions every day.