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It is helpful to consult your mortgage professional as soon as possible — even before you've started to research neighborhoods. Why? Maybe it is difficult to understand how we can help even before you start to calculate your offer.
Our mortgage professionals can help you find out the loan amount you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified. During this process, we determine your borrowing potential - reviewing your earning status, available money for down payment, debts, income, and other areas. It's a quick, thorough process with minimal risks for papercuts.
When you qualify, we give you a Pre-Qualification Letter (your real estate agent may refer to it as a "pre-qual"), that says that we are helping you to find the best loan program to fit your financial needs and that we are confident you'll qualify for a loan for a specific amount.
A number of beneifits open to you after you have found your new house, and have pre-qualification. First of all, you have some definite numbers in mind, as the total you will be able to borrow.
More important to the current home owner, your being pre-qualified is like your having walked into their house with a bag full of money to make the deal! They will not have to worry that they have been wasting their time if you do not be able to qualify for a big enough mortgage loan. The seller of the home won't wonder if he can count on you to qualify for your mortgage in the amount you will need.Your qualifying for your needed loan amount won't cause them concern. You have the influence of a buyer ready to make the deal right now!
We can help you pre-qualify
When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can fit in your budget, and the size of loan you will qualify for. This process outlines your financial situation - your debts, income, job, down payment money, among other things. It is a short, thorough process with minimal risks for papercuts.
You can certainly use the calculators on our website to calculate how much mortgage you can afford - but it's also important to meet with us. That way, we will be able to help you get your pre-qualification letter. Then, we'll make sure we have found the best mortgage program for your situation. We are waiting to hear from you: contact us at 4086261879.
Have questions about pre-qualifying? Call us at 4086261879. It's our job to answer pre-qualification questions, so we're happy to help!