Are you looking for a mortgage loan? We'll be glad to answer your questions about our mortgage offerings! Call us at (408) 626-1879. Ready to begin? Apply Here.
It's important to visit with a mortgage loan pro first, even if you haven't decided the kind of home to search for. What for? It might be difficult to fathom the way we could help even before you start to negotiate.
We will help you calculate how much of a mortgage you can afford, and how much money you will be able to borrow, by walking you through the pre-qualification process. We accomplish this by considering your income and debts, your employment and residence circumstances, the available funds for down payment, required reserves, and other considerations. We will ask for a minimum amount of paperwork, and avoid a lengthy process.
We will give you a Pre-Qualification Letter once you qualify, which states that we're confident you'll qualify for a certain amount of mortgage loan dollars.
Armed with your pre-qualification letter, several advantages fall at your feet at the point you find the home you want to put together an offer on. First of all, you have some definite numbers in mind, as the amount you will qualify for with your mortgage.
Being pre-qualified also will make your offer more attractive to the seller, like you were bringing them a suitcase full of cash! They will not have to wonder if they're wasting their time if you don't 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 loan.Your qualifying for the necessary loan amount won't be something for them to worry about. You have the capability to back your offer up.
We will help you pre-qualify
When we pre-qualify you, we help you decide the amount you can afford in mortgage payments you can fit in your budget, and how much we of a loan you can qualify for. In this process, we determine your borrowing potential - looking at your employment, money available for down payment, debt, income, and other areas. It is a quick, thorough process with minimal risks for papercuts.
One on one
While you can benefit from our mortgage calculators on this site, it's a good idea to meet with us. That way, we can help you get your pre-qualification letter. For another thing, we might locate a different mortgage choice that better fits your needs. Contact us at (408) 626-1879 to get your pre-qualification process started.
Have questions about pre-qualifying? Call us at (408) 626-1879. It's our job to answer pre-qualification questions, so we're happy to help!