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It is helpful to consult with your mortgage loan professional early — even before you have started to research neighborhoods. What for? What can we do for you before you have negotiated a purchase amount, and do not yet know how much you need to borrow?
When we pre-qualify you, we help you determine the amount in mortgage payments you can afford, and the size of loan you can qualify for. The process walks you through your finances - your debt, income, job, and down payment money, among other things. It's short and basic; We take pride in keeping the paperwork light.
We award you a Pre-Qualification Letter if you qualify, that states that we're confident you'll qualify for a specific amount of mortgage dollars.
Once you locate the house that meets your needs, and you want to make an offer, being pre-qualified for a mortgage will do a number of things. The first is that you'll be sure the amount you'll be able to afford when calculating your offer.
Your pre-qualification can also make your offer look even better to the seller, like you were bringing them a suitcase full of cash! They won't need to wonder if that they're wasting their time if you will not be able to qualify for a high enough mortgage loan. The seller of the home won't worry if he can count on you to qualify for your loan.Your qualifying for your needed mortgage loan amount will not cause them concern. They have a virtual guarantee to trust your ability to back up your offer.
We will help you pre-qualify
We will help you see how much of a mortgage loan you can afford, and how much money you can borrow, by walking you through the pre-qualification process. During the process, we explore your borrowing capacity - looking at your employment, money available for down payment, debt, income, and other circumstances. It's quick and to the point; and we take pride in keeping the paperwork to a minimum.
It is vital for you to sit down and meet with us, even though you are free to also use the helpful mortgage calculators on this website. We can work toward your pre-qualification letter. Then, we will make sure we have the ideal mortgage program for you. We're waiting to hear from you: contact us at 3032282254.
Have questions about pre-qualifying? Call us at 3032282254. We answer pre-qualification questions every day.