Why Pre-Qualification is Important
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It's important to consult your mortgage professional as soon as possible — even before you have started to research neighborhoods. What for? If you don't yet know how much house you need to qualify for, what can we help you with?
We Can Help You Pre-Qualify
We will help you see how much of a mortgage you can afford, and how much money you will be able to borrow, by walking you through the pre-qualification process. The process leads you through your finances - your debts, income, employment, and cash available for down payment, among other things. It's a quick, thorough process with minimal risks for papercuts.
We will award you a Pre-Qualification Letter once you qualify, that says that we're confident you can qualify for a certain amount of mortgage dollars.
Once you locate the house that meets your needs, and you want to make an offer, being pre-qualified for a mortgage will do a couple of things. First, it helps you know how much you're able to offer.
Even more important to the existing owner, your pre-qualification gives them certainty - as if you had entered their house with a bag of cash to make the offer! They need not wonder if they are wasting their time if you will not have the ability to qualify for a big 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 mortgage loan amount won't be something for them to lose sleep over. You have the ability to back up your offer.
We help with your pre-qualification
We can help you determine the loan amount you can qualify for and the mortgage payment amount you can afford by getting you pre-qualified. We accomplish this by reviewing your income and debts, your work and housing circumstances, the available funds for down payment, required reserves, and other financial considerations. We as for a minimum amount of paperwork, with a quick process.
Face to Face
It's vital to sit down and meet with us, even though you are welcome to also try the helpful mortgage calculators on this website. For one thing, you'll need a Pre-Qualification Letter! Then, we'll make sure we have found the best mortgage loan program for your situation. We're eager to meet with you: call us at 5623200510.
Have questions about pre-qualifying? Call us at 5623200510. It's our job to answer pre-qualification questions, so we're happy to help!