The Importance of Pre-Qualifying
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Even if you've not so much as researched houses to visit yet, it can be valuable to see your mortgage loan professional first. Why? Perhaps it's hard to understand how we could help even before you start to negotiate.
We can help you calculate the loan amount you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified. In this process, we determine your ability to borrow - analyzing your job, available money for down payment, debts, income, and other areas. It is a quick, thorough process with minimal risks for papercuts.
We will award you a Pre-Qualification Letter after you qualify, that documents that we're confident you will qualify for up to a certain amount of mortgage loan dollars.
With your pre-qualification letter, some advantages fall at your feet once you locate the house you want to make an offer for. First of all, you have some general numbers in mind, as the total you will qualify for on your mortgage.
Having pre-qualification also will make your offer more attractive to the seller, like you were bringing them a bag full of cash! They won't need to worry that they're wasting their time if you can't have the ability to qualify for a big enough mortgage loan. The seller of the home won't be concerned that he won't be able to count on you to qualify for your loan.Your qualifying for your needed mortgage loan amount will not be something for them to fret over. You have the capability to back your offer up.
We will help you pre-qualify
Our mortgage professionals will help you determine the loan amount you can qualify for and the monthly mortgage payment amount you are able to afford by getting you pre-qualified. During the process, we determine your ability to borrow - reviewing your employment, money available for down payment, debt, income, and other circumstances. It's short and to the point; and we take pride in keeping the paperwork light.
Face to Face
While you are encouraged to use our tools to calculate mortgage variables on this site, it will be a good idea to meet with one of our mortgage professional team members. For one thing, you'll need a Pre-Qualification Letter! Then, we can make sure we have chosen the right mortgage loan program for you. Let us get you started: Call us at 2565439211.
Have questions about pre-qualifying? Call us at 2565439211. We answer pre-qualification questions every day.