Why it's Important to Pre-Qualify

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It can be helpful to visit with a mortgage loan pro early, even before you've determined what sort of home to look for. What for? If you don't yet know how much house you need to qualify for, what could we do for you?

Pre-Qualify

We will help you find out the loan amount you can qualify for and the monthly mortgage payment amount you are able to afford by helping you pre-qualify. We will achieve this by reviewing your debts and income, your work and residence situations, the available funds for a down payment, required reserves, and some other things. We will ask for a minimum amount of paperwork, with a quick process.

When you qualify, we present to you what's called a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), that says that we are helping you to find the ideal loan program to meet your situation and that we're confident you will qualify for a mortgage up to a certain amount.

Buying Power

Armed with your pre-qualification letter, several advantages are yours when you locate the house you want to make an offer on. The first is that you'll know the amount you'll be able to afford when determining your offer. More important to the existing home owner, your pre-qualification is like your having entered their house with a bag full of cash ready to make the deal! They need not be concerned they're wasting their time if you won't be able to have the ability to qualify for a high enough mortgage. The seller of the home won't be concerned that he won't be able to trust you to qualify for your loan.Your qualifying for your needed mortgage loan amount will not be something for them to be concerned about. You can have the influence 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 you can afford, and how much money you can borrow, by walking you through pre-qualifying. This process outlines your finances - your debts, income, employment, cash available for down payment, among other things. We as for a minimum amount of paperwork, and avoid a lengthy process.

One-on-One

While you are able to try our mortgage calculators on this website, it's a good idea to sit down and talk with us. For one thing, you will need a Pre-Qualification Letter! For another thing, we could find a different mortgage program that is a better fit for you. Contact us at 9162758775 to get your pre-qualification process started.

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