When to Speak to a Mortgage Pro About Pre-Qualifying

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Even if you haven't picked out homes to view yet, it's valuable to visit with your mortgage loan professional early. What for? When you don't know yet how much house you want to qualify for, what could we do for you?

Pre-Qualify

We can help you see how much of a mortgage loan you can afford, and how much money you will be able to borrow, by taking you through pre-qualifying. We achieve this by analyzing your income and debts, your employment and residence situations, the funds available for down payment, required reserves, and some other things. We will require a minimum amount of paperwork, with a short,basic process.

We will award you a Pre-Qualification Letter once you qualify, that states that we are confident you'll qualify for a certain amount of mortgage dollars.

Buying Clout

When you find the house that meets your needs, and you want to make an offer, being pre-qualified for a mortgage will do several things. First of all, you have some concrete numbers in mind, as the total you can borrow. Being pre-qualified also will make your offer look even better to the home seller, like you were bringing them a suitcase of cash! They need not be concerned they have been wasting their time if you do not be able to qualify for a high enough mortgage. The seller won't be concerned that he can't trust you to qualify for your loan.Your qualifying for the necessary loan amount won't cause them concern. They have a virtual guarantee that they can trust your buying power.

We will help you with your pre-qualification

Our mortgage professionals can help you calculate the loan amount you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. We achieve this by analyzing your income and debts, your employment and residence circumstances, your available funds for down payment, required reserves, and some other things. It's short and basic; and we keep the paperwork to a minimum.

One on one

It is important for you to sit down and meet with us, even though you are welcome to also try the helpful mortgage loan calculator tools on this website. We can begin getting your pre-qualification letter. Next, we can review your mortgage loan choices and make sure you are in the best one. Let us get you 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!