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It's helpful to see a mortgage professional first, even if you haven't decided what type of house you hope to find. Why? Perhaps it's hard to fathom how we can help even before you begin to talk about prices and negotiations.
We Will Help You Pre-Qualify
We will help determine how much of a mortgage loan you can afford, and the amount of money you can borrow, by taking you through the pre-qualification process. In this process, we explore your borrowing potential - looking at your job, available money for down payment, debt, income, and other circumstances. It's quick and basic; We take pride in keeping the paperwork light.
Once you qualify, we present to you a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), which documents the fact that we are helping you to find the right mortgage loan program to fit your situation and that we're confident you will qualify for a mortgage for up to a specific amount.
When you find a house that catches your eye, and you want to put together an offer, being pre-qualified for a mortgage will do a number of things. First, you have some definite numbers in mind, as the total you will qualify for with your loan.
Even more important to the seller of the home, your pre-qualification gives them certainty - as if you'd arrived at their home with a big box of cash to make the offer! They will not have to be concerned that they have been wasting their time if you can't have the ability to qualify for a high enough mortgage loan. The seller of the home won't wonder 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 won't be something for them to be concerned about. You will have the sway of a buyer ready to make the deal on the spot!
We will help you pre-qualify
Our mortgage professionals will help you calculate the loan amount you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified. During the process, we explore your borrowing power - reviewing your job, available money for down payment, debt, income, and other circumstances. It is a quick, thorough process with minimal risks for papercuts.
It is vital for you to sit down and talk with us, even though you are free to also utilize the helpful mortgage calculator tools on this site. We can walk you through your pre-qualification letter. For another thing, we could find a different mortgage loan option that is a better fit for you. We are waiting to meet with you: contact 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!