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Even if you've not so much as picked out homes to visit yet, it is important to see your mortgage professional early. What for? It might be hard to understand how we can help even before you begin to negotiate.
We Can Help You Pre-Qualify
We can help you see how much of a mortgage loan you can afford, and how much money you can borrow, by walking you through pre-qualifying. This process outlines your finances - your debts, income, job, and cash available for down payment, among other things. It's short and to the point; We take pride in keeping the paperwork to a minimum.
Once you qualify, will present to you a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), that states that we are partnering with you to find the best mortgage loan program to meet your financial needs and that we're confident you will qualify for a loan up to a certain amount.
Power in the Pre-Qual
When you locate a house that is ideal for you, and you want to make an offer, being pre-qualified for a mortgage will do several things. The first is that you will be sure what you'll be able to afford when calculating the offer.
Being pre-qualified will also make your offer more attractive to the seller, as if you were bringing them a suitcase of cash! They won't need to wonder if that 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 mortgage in the amount you will need.Your qualifying for the necessary mortgage loan amount will not cause them concern. You have the capability to back your offer up.
We can help you pre-qualify
Our mortgage professionals will help you calculate the loan amount you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. The process outlines your finances - your debt, income, job, down payment money, among other things. It's a short, thorough process with minimal risks for papercuts.
Face to Face
It is important to sit down and meet with us, even though you are free to also utilize the helpful mortgage calculator tools on our website. That way, we can help you get your pre-qualification letter. For another thing, we may locate a different mortgage program that better fits your needs. Let us help you get started: 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!