Why Pre-Qualification is Important

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Even if you haven't narrowed down houses to view yet, it can be advantageous to see your mortgage loan professional first. What for? What can we do for you if you have not made your offer, and don't know yet the amount you need to borrow?

We Will Help You Pre-Qualify

Our mortgage professionals can help you calculate the loan amount you can qualify for and the monthly mortgage payment amount you are able to afford by getting you pre-qualified. We will do this by analyzing your income and debts, your work and residence circumstances, your available funds for down payment, required reserves, and other financial considerations. We will require a minimum amount of paperwork, and avoid a lengthy process.

When you qualify, will present to you a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), that states that we are working with you to find the ideal mortgage loan program to meet your financial needs and that we're confident you'll qualify for a mortgage for up to a specific amount.

Buying Power

Once you locate a house that is best for you, and you want to make an offer, being pre-qualified for a mortgage loan will do a couple of things. The first is that you'll be sure what you will be able to afford when calculating the offer. Even more important to the existing owner, your pre-qualification gives them confidence - as if you'd entered their home with a big box of cash to make the offer! They will not need to be concerned that they have been wasting their time if you won't be able to have the ability to qualify for a big enough mortgage loan. The seller won't be concerned that he can't count on you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed mortgage loan amount won't be something for them to fret over. You can have the influence of a buyer ready to make the deal on the spot!

We help with your pre-qualification

When we pre-qualify you, we help you determine how much of a monthly payment you can afford, and the loan amount you can qualify for. We accomplish this by reviewing your income and debts, your work and housing circumstances, your funds available for a down payment, required reserves, and some other things. We as for a minimum amount of paperwork, and avoid a lengthy process.

One-on-One

It's vital to sit down and talk with us, even though you are welcome to also try the helpful mortgage calculators on this site. That way, we'll be able to help you get your pre-qualification letter. For another thing, we might locate a different mortgage option that is a better fit for you. Contact us at 3175959600 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at 3175959600. It's our job to answer pre-qualification questions, so we're happy to help!