Why Pre-Qualification is Important
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Even if you have not narrowed down houses to visit yet, it's important to see your mortgage professional early. Why? It might be difficult to fathom the way we can help even before you start to calculate your offer.
We can help you calculate how much of a loan you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. During this process, we explore your borrowing potential - reviewing your job, available money for down payment, debt, income, and other areas. We will require a minimum amount of paperwork, and avoid a lengthy process.
We give you a Pre-Qualification Letter after you qualify, that states that we're confident you can qualify for up to a certain amount of mortgage loan dollars.
When you find the house that catches your eye, and you want to put together an offer, being pre-qualified for a loan will do several things. The first is that you will know the amount you will be able to afford when determining the offer.
More important to the existing home owner, your being pre-qualified is like your having walked into their house with a suitcase full of money to make the deal! They will not have to worry that they're wasting their time if you don't have the ability to qualify for a big enough mortgage. 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 cause them concern. You have the capability to back your offer up.
We will help you with your pre-qualification
When we pre-qualify you, we help you decide the amount you can afford in mortgage payments you can fit in your budget, and the size of loan you can qualify for. During this process, we calculate your ability to borrow - analyzing your earning status, money available for down payment, existing debt, income, and other circumstances. We as for a minimum amount of paperwork, and avoid a lengthy process.
One on one
It's important for you to sit down and meet with us, even though you are welcome to also utilize the helpful mortgage calculators on this website. For one thing, you will want a Pre-Qualification Letter! Next, we can study your mortgage loan choices to be sure you have found the right one. 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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