The Importance of Pre-Qualification
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It is valuable to bring in your mortgage loan professional as soon as possible — even before you've started narrowing down neighborhoods. What for? If you do not know yet how much house you want to qualify for, what could we help you with?
We can help you calculate the loan amount you can qualify for and the monthly payment amount you can afford by getting you pre-qualified. This process outlines your financial situation - your debt, income, job, and down payment money, among other things. It's short and basic; We keep the paperwork to a minimum.
We give you a Pre-Qualification Letter if you qualify, which states that we're confident you can qualify for a predetermined amount of mortgage loan dollars.
Power in the Pre-Qual
Various advantages open to you after you find your next house, and have achieved pre-qualification. First of all, you have some general numbers in mind, as the total you will qualify for with your loan.
Even more important to the present owner, your pre-qualification letter gives them confidence - as if you'd arrived at their home with a suitcase of cash to make the offer! They will not have to wonder if that they're wasting their time if you won't be able to have the ability to qualify for a high enough mortgage. The seller won't worry if he can trust you to qualify for your loan.Your qualifying for your needed loan amount will not be something for them to worry about. You have the ability to back up your offer.
We will help you pre-qualify
We will help you calculate how much of a mortgage loan you can afford, and how much money you can borrow, by taking you through the pre-qualification process. We achieve this by analyzing your debts and income, your work and housing circumstances, the funds available for a down payment, required reserves, and some other things. It's short and to the point; and we take pride in keeping the paperwork to a minimum.
Face to Face
While you are able to use our tools to calculate mortgage variables on our website, it's essential to sit down and talk with one of our mortgage professional team members. We can begin getting your pre-qualification letter. Next, we can consider your mortgage options and be sure you have selected the best one. Contact us at (816) 525-8000 to get your pre-qualification process started.
Have questions about pre-qualifying? Call us at (816) 525-8000. We answer pre-qualification questions every day.
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