Why it's Important to Pre-Qualify
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It is valuable to visit with a mortgage loan pro early, even before you have determined the sort of home you hope to find. What for? What can we do for you if you have not made an offer, and don't know yet the amount you want to borrow?
We can help you find out how much of a loan you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. In the process, we calculate your borrowing power - looking at your job, available money for down payment, debt, income, and other areas. It's a quick, thorough process with minimal risks for papercuts.
We will award you a Pre-Qualification Letter if you qualify, which documents that we are confident you'll qualify for a predetermined amount of mortgage dollars.
Power in the Pre-Qual
After you find a house that meets your needs, and you want to make an offer, being pre-qualified for a mortgage will do several things. First, it helps you know how much you are able to offer.
Of greater importance to the current home owner, your pre-qualification is like your having walked into their front door with a suitcase full of money ready to make the deal! They will not need to worry that they have been wasting their time if you don't have the ability to qualify for a high enough mortgage loan. The seller of the home won't wonder 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 up your offer.
We will help you with your pre-qualification
We can help you calculate how much of a mortgage loan you can afford, and the amount of money you can borrow, by taking you through the pre-qualification process. The process takes you through your current financial situation - your debt, income, job, cash available for down payment, among other things. It is a short, thorough process with minimal risks for papercuts.
While you can benefit from our mortgage calculators on this website, it is a good idea to sit down and talk with us. We can work toward your pre-qualification letter. For another thing, we might locate a different mortgage program that fits your situation better. Let us help you get started: Call 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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