When to Speak to Your Mortgage Professional About Pre-Qualifying

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It is helpful to see a mortgage professional early, even if you haven't decided the kind of house to search for. Why? It might be hard to understand the way we could help even before you start to negotiate.

Pre-Qualify

We can help determine how much of a mortgage loan you can afford, and how much money you will be able to borrow, by walking you through pre-qualifying. The process leads you through your financial situation - your debts, income, employment, and cash available for down payment, among other things. It's quick and to the point; We take pride in keeping the paperwork to a minimum.

Once you qualify, will give you what's called a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), which says that we are helping you to find the best mortgage loan program to fit your financial needs and that we're confident you will qualify for a mortgage loan for a specific amount.

Power in the Pre-Qual

When you locate the house that is right for you, and you decide to put together an offer, being pre-qualified for a loan will do several things. The first is that you can be sure what you can afford when putting together your offer. Even more important to the seller of the home, your pre-qualification letter gives them certainty - as if you'd come into their house with a suitcase of cash to make the offer! They will not need to wonder if that they're wasting their time if you do not be able to qualify for a big enough mortgage. The seller of the home won't wonder if he can count on you to qualify for your loan.Your qualifying for the necessary loan amount won't be something for them to lose sleep over. You have the ability to back up your offer.

We will help you with your pre-qualification

Our mortgage professionals will help you find out the loan amount you can qualify for and the mortgage payment amount you can afford by helping you pre-qualify. In this process, we determine your borrowing capacity - analyzing your employment, available money for down payment, debts, income, and other circumstances. It is a quick, thorough process with minimal risks for papercuts.

One on one

You can always use the calculators on our website to get an idea of how much mortgage you can afford - but it's also valuable to meet with us. For one thing, you'll want a Pre-Qualification Letter! For another thing, we might find a different mortgage option that better fits your needs. Contact us at 4058634122 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at 4058634122. We answer pre-qualification questions every day.