Why it's Important to Pre-Qualify

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It is valuable to see a mortgage loan pro first, even if you haven't decided the kind of home you hope to find. What for? Perhaps it is difficult to understand the ways we could help even before you begin to talk about prices and negotiations.

Pre-Qualify

Our mortgage professionals can help you determine how much of a loan you can qualify for and the monthly mortgage payment amount you are able to afford by helping you pre-qualify. This process takes you through your finances - your debt, income, career, and down payment money, among other things. It's quick and basic; We keep the paperwork to a minimum.

After you qualify, will give you what's called a Pre-Qualification Letter (your real estate agent may refer to it as a "pre-qual"), which says that we are partnering with you to find the right mortgage loan program to meet your needs and that we are confident you will qualify for a mortgage loan for up to a certain amount.

Buying Clout

With your pre-qualification letter, several advantages fall at your feet when you find the house you want to make an offer on. First of all, you have some concrete numbers in mind, as the total you will qualify for with your mortgage loan. Of greater importance to the existing home owner, your pre-qualification is like your having walked into their front door with a suitcase full of money ready to purchase the house! They won't need to worry that that they are wasting their time if you will not be able to qualify for a big enough mortgage loan. The seller of the home won't worry if he can trust you to qualify for your loan.Your qualifying for your needed loan amount will not be something for them to fret over. They have a virtual guarantee that they can trust your ability to back up your offer.

We will help you pre-qualify

Our mortgage professionals will help you find out the loan amount you can qualify for and the monthly mortgage payment amount you are able to afford by getting you pre-qualified. We accomplish this by analyzing your debts and income, your employment and housing situations, your available funds for a down payment, required reserves, and other considerations. We as for a minimum amount of paperwork, with a short, basic process.

One on one

You can always use the mortgage calculators available on this site to calculate how much mortgage you'll be able to afford - but it's also valuable to meet with one of our mortgage professionals. For one thing, you'll need a Pre-Qualification Letter! Then, we will make sure we have chosen the ideal mortgage loan program for you. Let us help you get started: Contact us at 9162758775.

Have questions about pre-qualifying? Call us at 9162758775. It's our job to answer pre-qualification questions, so we're happy to help!