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Even if you have not so much as narrowed down houses to visit yet, it's important to visit with your mortgage professional first. Why? When you do not know yet how much home you want to qualify for, how could we help?
When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can fit in your budget, and how much we of a loan you can qualify for. During this process, we explore your capacity to borrow - analyzing your earning status, money available for down payment, existing debt, income, and other circumstances. We require a minimum amount of paperwork, and avoid a lengthy process.
We give you a Pre-Qualification Letter if you qualify, which documents that we're confident you can qualify for a specific amount of mortgage loan dollars.
After you find the house that is right for you, and you want to make an offer, being pre-qualified for a loan will do a couple of things. First, you have some general numbers in mind, as the total you will be able to borrow.
Even more important to the seller of the house, your pre-qualification gives them certainty - as if you'd arrived at their home with a suitcase of cash to make the offer! They won't need to worry that that they are wasting their time if you can't be able to qualify for a high enough mortgage. The seller won't be concerned that he can't count on you to qualify for your loan.Your qualifying for your needed mortgage loan amount will not cause them concern. You have the clout of a buyer ready to make the purchase right now!
We will help you pre-qualify
We can help you see how much of a mortgage loan you can afford, and the amount of money you may be able to borrow, by walking you through pre-qualifying. We will accomplish this by analyzing your income and debts, your employment and residence circumstances, your funds available for a down payment, required reserves, and some other things. It's a quick, thorough process with minimal risks for papercuts.
It is important to sit down and talk with us, even though you are welcome to also utilize the helpful mortgage calculator tools on this website. That way, we will help you get your pre-qualification letter. For another thing, we may be able to locate a different mortgage program that better fits your needs. We're eager to meet with you: call us at (888) 299-4585.
Have questions about pre-qualifying? Call us at (888) 299-4585. It's our job to answer pre-qualification questions, so we're happy to help!