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It is valuable to consult your mortgage professional early — even before you've begun researching neighborhoods. Why? Maybe it is difficult to understand how we could help even before you begin to calculate your offer.
When we pre-qualify you, we help you find out how much of a monthly mortgage payment you can fit in your budget, and the loan amount you will qualify for. This process outlines your finances - your debt, income, job, and cash available for down payment, among other things. We will ask for a minimum amount of paperwork, and avoid a lengthy process.
At the point you are considered eligible, we will prove our confidence in your ability to qualify for a loan by giving you a Pre-Qualification Letter (also called a "pre-qual").
Various advantages open to you once you've found your next house, and have achieved pre-qualification power. The first is that you'll know the amount you'll be able to afford when determining your offer.
Of greater importance to the existing home owner, your pre-qualification is like your having walked into their front door with a bag full of cash to make the deal! They need not wonder if they are wasting their time if you do not have the ability to qualify for a high enough mortgage loan. The seller won't wonder if he can count on you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary mortgage loan amount won't be something for them to lose sleep over. You will have the clout of a buyer ready to make the deal right now!
We can help you pre-qualify
We can help you see how much of a mortgage loan you can afford, and the amount of money you will be able to borrow, by walking you through pre-qualifying. In the process, we calculate your capacity to borrow - reviewing your earning status, available money for down payment, debt, income, and other circumstances. It is a short, thorough process with minimal risks for papercuts.
Face to Face
It is important for you to sit down and meet with us, even though you are welcome to also utilize the helpful mortgage loan calculator tools on this site. That way, we'll help you get your pre-qualification letter. Next, we can study your mortgage choices and make sure you are in the right one. Let us help you get started: Call us at 562 320-0510.
Have questions about pre-qualifying? Call us at 562 320-0510. It's our job to answer pre-qualification questions, so we're happy to help!