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It can be helpful to see a mortgage loan pro first, even before you've decided the kind of home you hope to find. What for? If you don't yet know how much home you need to qualify for, what can we do for you?
We Will Help You Pre-Qualify
Our mortgage professionals can help you calculate the loan amount you can qualify for and the monthly mortgage payment amount you are able to afford by getting you pre-qualified. We will do this by considering your income and debts, your employment and housing circumstances, the available funds for a down payment, required reserves, and other financial considerations. It's a quick, thorough process with minimal risks for papercuts.
We award you a Pre-Qualification Letter after you qualify, which says that we are confident you'll qualify for a specific amount of mortgage loan dollars.
Power in the Pre-Qual
Holding your pre-qualification letter, several advantages fall at your feet at the point you locate the house you want to make an offer on. First of all, you have some definite numbers in mind, as the total you will be able to borrow.
Even more important to the current owner, your pre-qualification status gives them certainty - as if you had entered their home with a suitcase of cash to back up the offer! They need not wonder if that they have been wasting their time if you can't have the ability to qualify for a high enough mortgage loan. The seller won't be concerned that he can't trust you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary loan amount won't cause them concern. They have a virtual guarantee to trust your buying power.
We will help you pre-qualify
We can help you calculate how much of a mortgage you can afford, and how much money you can borrow, by walking you through pre-qualifying. This process takes you through your finances - your debt, income, job, cash available for down payment, among other things. We will ask for a minimum amount of paperwork, with a quick process.
You can certainly use the calculators here on our website to get an idea of how much mortgage you will be able to afford - but it's also essential to meet with us. For one thing, you'll need a Pre-Qualification Letter! Then, we can make sure we have chosen the best mortgage loan program for your situation. We're eager to hear from you: call us at (303) 228-2254.
Have questions about pre-qualifying? Call us at (303) 228-2254. It's our job to answer pre-qualification questions, so we're happy to help!