Why Pre-Qualification is Important

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Even if you've not so much as researched homes to view yet, it is valuable to see your mortgage professional early. Why? What can we do for you if you have not negotiated a purchase amount, and do not yet know how much you want to borrow?

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 loan amount you can qualify for. We can achieve this by analyzing your debts and income, your work and residence circumstances, your funds available for a down payment, required reserves, and other considerations. It's a quick, thorough process with minimal risks for papercuts.

When you qualify, will give you what's called a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), that says that we are working with you to find the best loan program to meet your financial needs and that we are confident you'll qualify for a mortgage loan for up to a certain amount.

Buying Clout

Once you locate the house that meets your needs, and you decide to make an offer, being pre-qualified for a loan will do several things. The first is that you can be sure the amount you'll be able to afford when determining the offer. Even more important to the seller of the home, your pre-qualification status gives them confidence - as if you'd arrived at their house with a suitcase of cash to back up the offer! They will not have to wonder if that they're wasting their time if you will not have the ability to qualify for a big 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 the necessary mortgage loan amount will not be something for them to worry about. You can have the sway of a buyer ready to make the deal on the spot!

We will help you with your pre-qualification

We can help determine how much of a mortgage you can afford, and how much money you can borrow, by taking you through pre-qualifying. The process takes you through your finances - your debts, income, job, down payment money, among other things. It is a quick, thorough process with minimal risks for papercuts.

Face to Face

While you can try our tools to calculate mortgage variables on our site, it's essential to sit down and talk with one of our mortgage professional team members. We can walk you through your pre-qualification letter. For another thing, we may locate a different mortgage option that is a better fit for you. 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!