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Even if you've not so much as researched homes to view yet, it is advantageous to see your mortgage loan professional first. Why? When you do not know yet how much home you want to qualify for, how could we help?
We Can Help You Pre-Qualify
When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can fit in your budget, and the size of loan you will qualify for. We achieve this by considering your debts and income, your employment and residence situations, your available funds for a down payment, required reserves, and other considerations. It's a short, thorough process with minimal risks for papercuts.
We will award you a Pre-Qualification Letter when you qualify, that states that we are confident you'll qualify for up to a specific amount of mortgage dollars.
With your pre-qualification letter, a number of advantages fall at your feet at the point you locate the house you want to put together an offer for. First of all, you have some general numbers in mind, as the total you will qualify for with your mortgage.
Even more important to the seller of the house, your pre-qualification letter gives them certainty - as if you'd arrived at their home with a big box of cash to make the offer! They won't have to be concerned they're wasting their time if you do not have the ability to qualify for a high enough mortgage. The seller won't worry if he can count on you to qualify for your loan.Your qualifying for your needed mortgage loan amount will not be something for them to be concerned about. They have a virtual guarantee that they can trust your ability to back up your offer.
We help with your pre-qualification
We can help you find out how much of a loan you can qualify for and the mortgage payment amount you can afford by getting you pre-qualified. The process walks you through your finances - your debts, income, employment, cash available for down payment, among other things. It is a short, thorough process with minimal risks for papercuts.
You can certainly use the calculators on this site to get an idea of how much mortgage you'll be able to afford - but it's also essential to talk with one of our mortgage professionals. For one thing, you will need a Pre-Qualification Letter! Then, we'll make sure we have the ideal mortgage program for your situation. Let us get you started: Call us at 7133252099.
Have questions about pre-qualifying? Call us at 7133252099. It's our job to answer pre-qualification questions, so we're happy to help!