When to Talk to a Mortgage Professional
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It is valuable to consult with your mortgage loan professional as soon as possible — even before you've begun narrowing down neighborhoods. Why? Perhaps it is hard 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 determine how much of a monthly mortgage payment you can fit in your budget, and how much we of a loan you can qualify for. The process outlines your financial situation - your debts, income, career, and down payment money, among other things. We will ask for a minimum amount of paperwork, with a quick process.
Once you are determined to be eligible, we prove our confidence in your ability to qualify for a mortgage by presenting you with a Pre-Qualification Letter (also known as a "pre-qual").
A number of beneifits open to you when you have found your next house, and have achieved pre-qualification. First, it helps you know the amount that you are able to offer.
Even more important to the seller of the home, your pre-qualification gives them confidence - as if you'd entered their home with a bag of cash to make the offer! They won't need 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 your needed loan amount will not cause them concern. You will have the influence of a buyer ready to make the deal right now!
We will help you with your pre-qualification
We will help you calculate how much of a mortgage loan you can afford, and how much money you may be able to borrow, by taking you through the pre-qualification process. We do this by considering your income and debts, your employment and housing situations, your available funds for a down payment, required reserves, and some other things. We will ask for a minimum amount of paperwork, and avoid a lengthy process.
Face to Face
While you can use our tools to calculate mortgage variables on our site, it's a good idea to sit down and talk with us. For one thing, you will want a Pre-Qualification Letter! Then, we can make sure we have found the best mortgage loan program for you. Contact us at (816) 525-8000 & (81 to get your pre-qualification process started.
Have questions about pre-qualifying? Call us at (816) 525-8000 & (81. We answer pre-qualification questions every day.
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