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It's important to see a mortgage loan pro early, even if you haven't decided the kind of home to look for. What for? When you don't know yet how much home you want to qualify for, how could we help?
We will help you determine how much of a loan you can qualify for and the mortgage payment amount you can afford by helping you pre-qualify. We achieve this by reviewing your income and debts, your employment and housing situations, your available funds for a down payment, required reserves, and other considerations. We ask for a minimum amount of paperwork, and avoid a lengthy process.
After you are considered eligible, we will prove our confidence in your ability to qualify for a mortgage by giving you a Pre-Qualification Letter (also called a "pre-qual").
Various beneifits open to you when you have found your dream house, and have pre-qualification. The first is that you'll know what you will be able to afford when calculating your offer.
Your pre-qualification also will make your offer look even better to the home seller, like you were bringing them a suitcase of cash! They won't need to worry that they're wasting their time if you don't have the ability to qualify for a high enough mortgage. The seller won't worry if he can count on you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary loan amount won't cause them concern. They have a virtual guarantee to trust your ability to back up your offer.
We can help you pre-qualify
We will help determine how much of a mortgage you can afford, and the amount of money you can borrow, by taking you through pre-qualifying. We can accomplish this by reviewing your income and debts, your work and residence situations, the available funds for a down payment, required reserves, and other financial considerations. We will require a minimum amount of paperwork, and avoid a lengthy process.
One on one
While you are able to use our mortgage calculators on this site, it is essential to meet with us. For one thing, you will want a Pre-Qualification Letter! For another thing, we could find a different mortgage program that is a better fit for you. Contact us at (408) 626-1879 to get your pre-qualification process started.
Have questions about pre-qualifying? Call us at (408) 626-1879. We answer pre-qualification questions every day.