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Even if you have not picked out houses to view yet, it is advantageous to visit with your mortgage loan professional early. What for? How can we help before you have negotiated a price, and don't know yet how much you need to borrow?
We Will Help You Pre-Qualify
We will help you see how much of a mortgage you can afford, and the amount of money you will be able to borrow, by walking you through the pre-qualification process. We will accomplish this by reviewing your income and debts, your work and residence situations, the available funds for a down payment, required reserves, and some other things. It's quick and to the point; We keep the paperwork light.
When you qualify, will give you a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), that documents the fact that we are partnering with you to find the ideal mortgage to meet your situation and that we are confident you will qualify for a mortgage up to a specific amount.
Power in the Pre-Qual
When you locate a house that catches your eye, and you decide to make an offer, being pre-qualified for a mortgage will do a number of things. The first is that you can know what you will be able to afford when putting together the offer.
Even more important to the seller of the home, your pre-qualification gives them certainty - as if you'd arrived at their house with a big box of cash to make the offer! They won't have to be concerned they're wasting their time if you don't be able to qualify for a big enough mortgage. The seller of the home won't wonder if he can trust you to qualify for your loan.Your qualifying for the necessary mortgage loan amount won't be something for them to fret over. They have a virtual guarantee that they can trust your ability to back up your offer.
We will help you with your pre-qualification
Our mortgage professionals will help you find out the loan amount you can qualify for and the monthly payment amount you can afford by getting you pre-qualified. We do this by considering your debts and income, your work and residence situations, your funds available for a down payment, required reserves, and some other things. It is a quick, thorough process with minimal risks for papercuts.
One on one
While you are able to benefit from our mortgage calculators on this site, it will be a good idea to meet with one of our mortgage professional team members. We can walk you through your pre-qualification letter. For another thing, we could locate a different mortgage loan option that fits your needs better. Contact us at 562 320-0510 to get your pre-qualification process started.
Have questions about pre-qualifying? Call us at 562 320-0510. Reliance Mortgage Service, Inc answers pre-qualifying questions every day.