When to Talk to Your Mortgage Professional About Pre-Qualifying

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It is valuable to consult with your mortgage professional as soon as possible — even before you have started narrowing down neighborhoods. Why? If you don't yet know how much house you need to qualify for, what could we help you with?

We Can Help You Pre-Qualify

When we pre-qualify you, we help you find out the amount in monthly payments you can afford, and the loan amount you will qualify for. This process leads you through your financial situation - your debts, income, career, and down payment money, among other things. It's a short, thorough process with minimal risks for papercuts.

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

Power in the Pre-Qual

Some beneifits open to you after you find your new house, and have pre-qualification. First, it lets you know the amount that you can offer. Even more important to the seller, your pre-qualification gives them certainty - as if you had entered their home with a big box of cash to make the offer! They won't need to be concerned that they have been 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 trust you to qualify for your loan.Your qualifying for your needed mortgage loan amount will not be something for them to lose sleep over. You have the capability to back up your offer.

We will help you with your pre-qualification

When we pre-qualify you, we help you figure out how much of a monthly mortgage payment you can afford, and how much we of a loan you will qualify for. The process leads you through your finances - your debt, income, job, cash available for down payment, among other things. It's short and to the point; and we keep the paperwork to a minimum.

One-on-One

While you are encouraged to benefit from our mortgage calculators on this site, it's essential to sit down and talk with us. We can walk you through your pre-qualification letter. Then, we can make sure we have selected the right mortgage loan program for your situation. Let us get you started: Contact us at 4086261879.

Have questions about pre-qualifying? Call us at 4086261879. The Reen Team at Direct Mortgage Funding answers pre-qualifying questions every day.

Basic Pre-Approval

Get the Best Mortgage Rate! Tell us a little about your current needs and we can use that information to match you with just the right loan.

Tell us about your loan needs.
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