Why it's Important to Pre-Qualify
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It can be valuable to visit with a mortgage loan pro early, even if you haven't decided the sort of house you hope to find. Why? When you do not know yet how much house you want to qualify for, how could we help?
We Can Help You Pre-Qualify
We will help you calculate how much of a loan you can qualify for and the mortgage payment amount you can afford by getting you pre-qualified. This process outlines your finances - your debt, income, job, and down payment money, among other things. We will ask for a minimum amount of paperwork, with a short,basic process.
When you qualify, will give you a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), which documents the fact that we are partnering with you to find the right loan program to fit your financial needs and that we're confident you will qualify for a mortgage loan for up to a certain amount.
Once you locate a house that catches your eye, and you want to put together an offer, being pre-qualified for a loan will do a number of things. First, it helps you know how much you can offer.
Being pre-qualified also will make your offer more attractive to the seller, as if you were bringing them a suitcase of cash! They won't need to be concerned that they're wasting their time if you don't be able to qualify for a high enough mortgage loan. The seller won't be concerned that he can't trust you to qualify for your loan.Your qualifying for your needed loan amount won't be something for them to lose sleep over. They have a virtual guarantee that they can trust your buying power.
We will help you pre-qualify
Our mortgage professionals can help you determine the loan amount you can qualify for and the monthly payment amount you can afford by getting you pre-qualified. The process walks you through your current financial situation - your debt, income, employment, cash available for down payment, among other things. It's short and basic; and we keep the paperwork light.
Face to Face
While you are encouraged to try our tools to calculate mortgage variables on this site, it's a good idea to meet with us. That way, we will help you get your pre-qualification letter. For another thing, we might locate a different mortgage option that is a better fit for you. We are waiting to meet with you: contact us at 7032880777.
Have questions about pre-qualifying? Call us at 7032880777. It's our job to answer pre-qualification questions, so we're happy to help!