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It's important to consult with your mortgage professional early — even before you have started narrowing down neighborhoods. What for? When you do not know yet how much house you want to qualify for, what can we do for you?
We Can Help You Pre-Qualify
We can help you see how much of a mortgage you can afford, and the amount of money you can borrow, by taking you through pre-qualifying. This process outlines your financial situation - your debts, income, job, and down payment money, among other things. It is a short, thorough process with minimal risks for papercuts.
Once you are considered eligible, we will prove our confidence in your capacity to qualify for a loan by giving you a Pre-Qualification Letter (also known as a "pre-qual").
Power in the Pre-Qual
Once you locate a house that is right for you, and you want to make an offer, being pre-qualified for a loan will do a number of things. The first is that you'll know the amount you can afford when calculating your offer.
Being pre-qualified also will make your offer more attractive to the home seller, as if you were bringing them a suitcase of cash! They will not have to wonder if they're wasting their time if you do not be able to qualify for a big enough mortgage. The seller won't worry if he can count on you to qualify for your loan.Your qualifying for your needed loan amount won't cause them concern. You will have the influence of a buyer ready to make the purchase right now!
We can help you pre-qualify
We will help you see how much of a mortgage you can afford, and how much money you will be able to borrow, by walking you through the pre-qualification process. During this process, we calculate your borrowing capacity - analyzing your job, available money for down payment, debt, income, and other circumstances. It's quick and to the point; and we keep the paperwork to a minimum.
One on one
It is important to sit down and meet with us, even though you are free to also use the helpful mortgage loan calculators on this site. We can work toward your pre-qualification letter. Next, we can review your mortgage choices and be sure you are in the best one. Let us get you started: Call us at 8165258000.
Have questions about pre-qualifying? Call us at 8165258000. It's our job to answer pre-qualification questions, so we're happy to help!
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Do you have a question? We can help. Simply fill out the form below and we'll contact you with the answer, with no obligation to you. We guarantee your privacy.