When to Speak to Your Mortgage Professional
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Even if you have not picked out houses to visit yet, it's advantageous to visit with your mortgage pro early. Why? How can we help you if you have not made your offer, and do not yet know how much you need to borrow?
We Will Help You Pre-Qualify
We will help determine how much of a mortgage loan you can afford, and how much money you may be able to borrow, by taking you through pre-qualifying. During this process, we calculate your borrowing capacity - analyzing your employment, money available for down payment, debt, income, and other circumstances. We require a minimum amount of paperwork, with a quick process.
We award you a Pre-Qualification Letter when you qualify, that documents that we're confident you'll qualify for up to a certain amount of mortgage loan dollars.
Power in the Pre-Qual
When you locate a house that is ideal for you, and you decide to put together an offer, being pre-qualified for a mortgage will do several things. First of all, you have some definite numbers in mind, as the total you will qualify for on your mortgage.
Of greater importance to the seller, your being pre-qualified is like your having entered their house with a bag full of cash to make the deal! They won't have to worry that they have been wasting their time if you do not have the ability to qualify for a big enough mortgage. The seller of the home won't be concerned that he can't trust you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed mortgage loan amount won't be something for them to lose sleep over. They have a virtual guarantee that they can trust your buying power.
We will help you pre-qualify
We can help you calculate how much of a mortgage you can afford, and the amount of money you may be able to borrow, by taking you through the pre-qualification process. During the process, we look at your borrowing capacity - reviewing your job, money available for down payment, debts, income, and other areas. It's a short, thorough process with minimal risks for papercuts.
One on one
It is important to sit down and talk with us, even though you are welcome to also use the helpful mortgage loan calculator tools on this site. For one thing, you will want a Pre-Qualification Letter! Next, we can consider your loan choices and make sure you have selected the right one. We're waiting to hear from you: call us at 8002526633.
Have questions about pre-qualifying? Call us at 8002526633. We answer pre-qualification questions every day.