Why it's Important to Pre-Qualify
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It can be important to visit with a mortgage loan pro first, even before you have determined what type of house to look for. What for? Maybe it's difficult to understand the ways we can help even before you begin to talk about prices and negotiations.
We Can Help You Pre-Qualify
When we pre-qualify you, we help you figure out how much of a monthly mortgage payment you can fit in your budget, and the loan amount you can qualify for. In this process, we calculate your ability to borrow - analyzing your job, money available for down payment, debt, income, and other circumstances. It's a short, thorough process with minimal risks for papercuts.
We award you a Pre-Qualification Letter if you qualify, that documents that we're confident you'll qualify for up to a predetermined amount of mortgage dollars.
With your pre-qualification letter, some advantages are yours at the point you locate the home you want to put together an offer for. First, it lets you know the amount that you're able to offer.
More important to the seller, your being pre-qualified is like your having entered their front door with a bag full of cash to make the deal! They won't need to worry that that they have been wasting their time if you can't be able to qualify for a big enough mortgage. The seller won't be concerned that he won't be able to trust you to qualify for your loan.Your qualifying for your needed mortgage loan amount won't be something for them to fret over. You have the clout of a buyer ready to make the deal on the spot!
We can help you pre-qualify
We can help you calculate how much of a mortgage you can afford, and how much money you will be able to borrow, by walking you through the pre-qualification process. We accomplish this by analyzing your income and debts, your work and residence circumstances, your available funds for down payment, required reserves, and other financial considerations. It is a short, thorough process with minimal risks for papercuts.
One on one
It's important to sit down and meet with us, even though you are welcome to also try the helpful mortgage loan calculators on our website. That way, we'll help you get your pre-qualification letter. Then, we will make sure we have chosen the right mortgage loan program for your situation. We are waiting to meet with you: call us at (800) 974-0509.
Have questions about pre-qualifying? Call us at (800) 974-0509. We answer pre-qualification questions every day.