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It's helpful to visit with a mortgage loan pro early, even before you have determined the kind of house to look for. What for? It may be hard to understand the ways in which we could help even before you start to negotiate.
When we pre-qualify you, we help you find out the amount in monthly payments you can afford, and the loan amount you can qualify for. During the process, we explore your borrowing capacity - looking at your employment, money available for down payment, existing debt, income, and other areas. It is a quick, thorough process with minimal risks for papercuts.
After you are determined to be eligible, we will prove our confidence in your capacity to qualify for a mortgage loan by presenting you with a Pre-Qualification Letter (also called a "pre-qual").
Holding your pre-qualification letter, a number of advantages fall at your feet once you find the home you want to put together an offer for. First, you have some concrete numbers in mind, as the total you can borrow.
Of greater importance to the existing home owner, your pre-qualification is like your having entered their house with a suitcase full of cash to make the deal! They need not wonder if that they have been wasting their time if you don't have the ability to qualify for a high enough mortgage loan. The seller of the home won't be concerned that he won't be able to trust you to qualify for your loan.Your qualifying for your needed loan amount won't be something for them to fret over. You have the ability to back up your offer.
We help with your pre-qualification
We will help you find out the loan amount you can qualify for and the monthly payment amount you are able to afford by getting you pre-qualified. During the process, we explore your capacity to borrow - looking at your job, available money for down payment, debt, income, and other areas. It's quick and basic; and we take pride in keeping the paperwork light.
It is vital for you to sit down and meet with us, even though you are free to also try the helpful mortgage calculators on our website. For one thing, you will want a Pre-Qualification Letter! Next, we can review your mortgage choices and make sure you have selected the best one. We are waiting to hear from you: call us at (303) 228-2254.
Have questions about pre-qualifying? Call us at (303) 228-2254. We answer pre-qualification questions every day.