When to Talk to Your Mortgage Professional

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Even if you have not so much as researched houses to view yet, it is advantageous to visit with your mortgage pro first. Why? What can we do for you if you have not made your offer, and don't know yet the amount you need to borrow?

Pre-Qualify

We can help you determine the loan amount you can qualify for and the mortgage payment amount you can afford by helping you pre-qualify. We will achieve this by analyzing your income and debts, your work and residence circumstances, your available funds for a down payment, required reserves, and other financial considerations. We require a minimum amount of paperwork, with a quick process.

When you qualify, will present to you a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), which documents the fact that we are partnering with you to find the right mortgage loan to meet your financial needs and that we're confident you'll qualify for a mortgage up to a certain amount.

Pre-Qual Power

Once you locate the house that is ideal for you, and you decide to make an offer, being pre-qualified for a mortgage will do several things. The first is that you can be sure the amount you can afford when calculating the offer. Your pre-qualification can also make your offer look even better to the seller, like you were bringing them a bag full of cash! They will not have to wonder if they're wasting their time if you can't be able to qualify for a high enough mortgage loan. The seller won't be concerned that he won't be able to count on you to qualify for your mortgage in the amount you will need.Your qualifying for your needed loan amount won't be something for them to lose sleep over. They have a virtual guarantee to trust your ability to back up your offer.

We can help you pre-qualify

When we pre-qualify you, we help you figure out the amount you can afford in monthly payments you can afford, and the loan amount you can qualify for. In this process, we determine your borrowing capacity - reviewing your earning status, money available for down payment, debt, income, and other circumstances. We as for a minimum amount of paperwork, and avoid a lengthy process.

Face to Face

It is vital for you to sit down and talk with us, even though you are free to also try the helpful mortgage calculator tools on our site. We can begin working on your pre-qualification letter. Next, we can review your loan choices and make sure you are in the right one. We are eager to hear from you: contact us at 3175959600.

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