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It's important to consult with your mortgage professional early — even before you have started researching neighborhoods. What for? Maybe it is hard to fathom the way we can help even before you start to calculate your offer.
When we pre-qualify you, we help you figure out the amount in mortgage payments you can fit in your budget, and how much we of a loan you can qualify for. The process takes you through your financial situation - your debt, income, job, and cash available for down payment, among other things. It's short and basic; We keep the paperwork light.
After you are considered eligible, we document our confidence in your capacity to qualify for a mortgage by awarding you a Pre-Qualification Letter (also known as a "pre-qual").
Armed with your pre-qualification letter, some advantages fall at your feet once you locate the house you want to put together an offer on. First, it lets you know how much you can offer.
More important to the current home owner, your pre-qualification is like your having entered their house with a bag full of money ready to purchase their house! They won't have to worry that that they are wasting their time if you do not have the ability to qualify for a big enough mortgage loan. The seller won't wonder if he can trust you to qualify for your mortgage in the amount you will need.Your qualifying for your needed mortgage loan amount will not cause them concern. They have a virtual guarantee to trust your ability to back up your offer.
We can help you pre-qualify
We can help you find out the loan amount you can qualify for and the monthly payment amount you can afford by helping you pre-qualify. We achieve this by considering your debts and income, your work and housing situations, your available funds for down payment, required reserves, and some other things. It is a short, thorough process with minimal risks for papercuts.
It's vital for you to sit down and talk with us, even though you are welcome to also use the helpful mortgage calculator tools on this site. That way, we will help you get your pre-qualification letter. Then, we can make sure we have found the ideal mortgage program for you. We're waiting to hear from you: contact us at (816) 525-8000 & (81.
Have questions about pre-qualifying? Call us at (816) 525-8000 & (81. We answer pre-qualification questions every day.
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