Why it's Important to Pre-Qualify
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Even if you haven't so much as narrowed down homes to visit yet, it's important to see your mortgage professional early. What for? What can we do for you before you have negotiated a purchase amount, and do not yet know the amount you want to borrow?
We Will Help You Pre-Qualify
We will help determine how much of a mortgage loan you can afford, and the amount of money you may be able to borrow, by taking you through the pre-qualification process. In the process, we calculate your borrowing power - reviewing your earning status, money available for down payment, debt, income, and other areas. We will ask for a minimum amount of paperwork, and avoid a lengthy process.
We'll award you a Pre-Qualification Letter after you qualify, that says that we're confident you'll qualify for up to a specific amount of mortgage loan dollars.
Once you find a house that is best for you, and you decide to make an offer, being pre-qualified for a loan will do a number of things. First of all, you have some definite numbers in mind, as the amount you will qualify for on your mortgage.
Even more important to the current owner, your pre-qualification gives them certainty - as if you'd arrived at their home with a big box of cash to back up the offer! They will not need to wonder if that they have been wasting their time if you don't have the ability to qualify for a high enough mortgage loan. The seller won't worry if he can trust you to qualify for your loan.Your qualifying for your needed loan amount will not cause them concern. They have a virtual guarantee to trust your ability to back up your offer.
We can help you pre-qualify
We will help you calculate how much of a mortgage loan you can afford, and how much money you can borrow, by taking you through the pre-qualification process. During the process, we look at your ability to borrow - reviewing your employment, available money for down payment, existing debt, income, and other circumstances. We require a minimum amount of paperwork, with a quick process.
You can always use the calculators available on this site to get an idea of how much mortgage you can afford - but it's also essential to talk with us. That way, we'll be able to help you get your pre-qualification letter. Then, we'll make sure we have the right mortgage loan program for your situation. Let us get you started: Call us at (800) 299-0270.
Have questions about pre-qualifying? Call us at (800) 299-0270. We answer pre-qualification questions every day.