Why it's Important to Pre-Qualify
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It is helpful to visit with a mortgage loan pro first, even if you haven't settled on the sort of home you hope to find. What for? Maybe it is difficult to fathom the ways we can help even before you begin to calculate your offer.
We Will Help You Pre-Qualify
We will help you find out how much of a loan you can qualify for and the monthly payment amount you are able to afford by helping you pre-qualify. This process outlines your current financial situation - your debts, income, job, and cash available for down payment, among other things. We ask for a minimum amount of paperwork, with a quick process.
When you qualify, we give you a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), which says that we are helping you to find the ideal loan to fit your financial needs and that we're confident you'll qualify for a mortgage up to a specific amount.
Armed with your pre-qualification letter, several advantages fall at your feet at the point you locate the home you want to make an offer for. The first is that you'll know what you'll be able to afford when calculating your offer.
More important to the existing home owner, your being pre-qualified is like your having entered their front door with a bag full of money ready to make the deal! They won't need to wonder if that they have been wasting their time if you do not be able 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 buying power.
We help with your pre-qualification
When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford, and the loan amount you can qualify for. The process walks you through your financial situation - your debt, income, employment, down payment money, among other things. We will ask for a minimum amount of paperwork, with a quick process.
One on one
You can certainly use the calculators on this site to get an idea of how much mortgage you will be able to afford - but it's also important to talk with us. For one thing, you will want a Pre-Qualification Letter! Next, we can study your loan options and make sure you are in the right one. Contact us at (720) 550-4235 to get started.
Have questions about pre-qualifying? Call us at (720) 550-4235. We answer pre-qualification questions every day.