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Even if you've not researched houses to visit yet, it is valuable to see your mortgage professional early. Why? It might be difficult to fathom how we can help even before you start to calculate your offer.
We Can Help You Pre-Qualify
Our mortgage professionals will help you calculate the loan amount you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. The process takes you through your current financial situation - your debt, income, career, and down payment money, among other things. We will require a minimum amount of paperwork, with a short,basic process.
Once you qualify, we present to you a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), that says that we are partnering with you to find the best mortgage loan program to fit your situation and that we are confident you will qualify for a mortgage up to a certain amount.
After 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. The first is that you'll know the amount you can afford when putting together the offer.
More important to the existing home owner, your pre-qualification is like your having walked into their house with a suitcase full of cash ready to purchase the house! They will not need to be concerned they are wasting their time if you do not have the ability to qualify for a high enough mortgage loan. The seller won't worry if he can 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 ability to back up your offer.
We will help you with your pre-qualification
We will help determine how much of a mortgage loan you can afford, and how much money you can borrow, by walking you through the pre-qualification process. The process leads you through your financial situation - your debt, income, employment, cash available for down payment, among other things. We will ask for a minimum amount of paperwork, with a quick process.
One on one
While you are able to benefit from our tools to calculate mortgage variables on this website, it's essential to sit down and talk with one of our mortgage professional team members. For one thing, you will want a Pre-Qualification Letter! Next, we can review your mortgage loan choices and be sure you are in the best one. We are eager to meet with you: contact 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!