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It's valuable to consult with your mortgage professional early — even before you have started to consider neighborhoods. What for? It may be hard to understand the ways we could help even before you begin to calculate your offer.
We Can Help You Pre-Qualify
When we pre-qualify you, we help you find out the amount in monthly mortgage payments you can fit in your budget, and the loan amount you will qualify for. We will accomplish this by reviewing your debts and income, your work and residence circumstances, the available funds for down payment, required reserves, and other financial considerations. We require a minimum amount of paperwork, and avoid a lengthy process.
When you qualify, will give you a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), that states that we are helping you to find the ideal loan to meet your situation and that we are confident you'll qualify for a loan up to a certain amount.
Power in the Pre-Qual
Armed with your pre-qualification letter, several advantages fall at your feet at the point you find the home you want to make an offer for. First, it helps you know how much you're able to offer.
More important to the existing home owner, your pre-qualification is like your having walked into their front door with a bag full of cash ready to purchase the home! They won't need to be concerned that they are 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 trust you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary mortgage loan amount will not cause them concern. You'll have the clout of a buyer ready to make the deal on the spot!
We will help you with your pre-qualification
When we pre-qualify you, we help you find out how much of a monthly mortgage payment you can afford, and the size of loan you will qualify for. We can accomplish this by analyzing your debts and income, your employment and housing situations, your funds available for down payment, required reserves, and other financial considerations. It's a short, thorough process with minimal risks for papercuts.
One on one
It's vital to sit down and talk with us, even though you are free to also utilize the helpful mortgage calculator tools on our website. For one thing, you will need a Pre-Qualification Letter! Next, we can study your mortgage program options to make sure you are in the best one. Contact us at 4086261879 to get your pre-qualification process started.
Have questions about pre-qualifying? Call us at 4086261879. We answer pre-qualification questions every day.