The Importance of Pre-Qualifying
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It's helpful to see a mortgage professional early, even if you haven't decided what sort of home you hope to find. What for? If you do not yet know how much home you want to qualify for, how can we help?
We Can Help You Pre-Qualify
When we pre-qualify you, we help you find out how much of a monthly mortgage payment you can afford, and how much we of a loan you can qualify for. We achieve this by reviewing your income and debts, your employment and housing circumstances, your available funds for a down payment, required reserves, and other financial considerations. It's short and basic; We take pride in keeping the paperwork to a minimum.
After you are determined to be eligible, we will prove our confidence in your potential to qualify for a loan by awarding you a Pre-Qualification Letter (also known as a "pre-qual").
Power in the Pre-Qual
Several beneifits open to you once you have found your new house, and have achieved pre-qualification power. The first is that you will know the amount you'll be able to afford when determining the offer.
Of greater importance to the seller, your being pre-qualified is like your having entered their house with a suitcase full of cash to purchase their house! They need not worry that they're wasting their time if you don't be able to qualify for a high enough mortgage loan. The seller of the home won't be concerned that he won't be able to count on you to qualify for your loan.Your qualifying for the necessary loan amount will not cause them concern. You will have the influence of a buyer ready to make the deal on the spot!
We can help you pre-qualify
We will help you see how much of a mortgage you can afford, and how much money you may be able to borrow, by walking you through pre-qualifying. We can achieve this by considering your income and debts, your employment and residence circumstances, the funds available for down payment, required reserves, and other considerations. It's quick and basic; and we take pride in keeping the paperwork to a minimum.
One on one
It's vital to sit down and talk with us, even though you are free to also use the helpful mortgage loan calculator tools on this site. That way, we'll help you get your pre-qualification letter. Then, we will make sure we have the right mortgage program for your situation. We are waiting to hear from you: call us at (800) 974-0509.
Have questions about pre-qualifying? Call us at (800) 974-0509. It's our job to answer pre-qualification questions, so we're happy to help!