The Importance of Pre-Qualification
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It is important to consult your mortgage loan professional as soon as possible — even before you have started narrowing down neighborhoods. Why? How can we help before you have negotiated a price, and don't yet know the amount you want to borrow?
We Will Help You Pre-Qualify
We can help you see how much of a mortgage loan you can afford, and the amount of money you may be able to borrow, by walking you through the pre-qualification process. This process leads you through your finances - your debts, income, career, and down payment money, among other things. We will require a minimum amount of paperwork, and avoid a lengthy process.
We'll give you a Pre-Qualification Letter once you qualify, that says that we are confident you will qualify for a certain amount of mortgage loan dollars.
Holding your pre-qualification letter, a number of advantages are yours when you locate the house you want to put together an offer for. First, you have some general numbers in mind, as the total you can borrow.
Being pre-qualified also will make your offer look even better to the seller, like you were bringing them a bag full of cash! They won't need to be concerned that they have been wasting their time if you don't be able to qualify for a high enough mortgage loan. The seller won't worry if he can trust you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed loan amount will not be something for them to fret over. You'll have the influence of a buyer ready to make the purchase on the spot!
We will help you with your pre-qualification
We will help you calculate the loan amount you can qualify for and the monthly mortgage payment amount you are able to afford by helping you pre-qualify. The process takes you through your finances - your debts, income, career, cash available for down payment, among other things. It's short and basic; and we take pride in keeping the paperwork light.
One on one
You can always use the calculators available on our website to get an idea of how much mortgage you'll be able to afford - but it's also important to talk with one of our mortgage professionals. We can begin working on your pre-qualification letter. Next, we can study your mortgage options to be sure you are in the right one. Contact us at (816) 525-8000 & (81 to get started.
Have questions about pre-qualifying? Call us at (816) 525-8000 & (81. We answer pre-qualification questions every day.
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