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It's helpful to bring in your mortgage professional early — even before you've begun researching neighborhoods. Why? Maybe it's difficult to understand how we could help even before you begin to calculate your offer.
We will help you see how much of a mortgage you can afford, and how much money you can borrow, by taking you through the pre-qualification process. The process walks you through your financial situation - your debt, income, career, and cash available for down payment, among other things. It is a short, thorough process with minimal risks for papercuts.
When you are considered eligible, we document our confidence in your ability to qualify for a mortgage loan by awarding you a Pre-Qualification Letter (also called a "pre-qual").
Power in the Pre-Qual
When you find the house that meets your needs, and you want to put together an offer, being pre-qualified for a loan will do several things. First, you have some definite numbers in mind, as the total you will be able to borrow.
Even more important to the current owner, your pre-qualification status gives them confidence - as if you'd arrived at their house with a big box of cash to back up the offer! They will not need to be concerned that they are 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 wonder if he can count on you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed mortgage loan amount will not be something for them to be concerned about. They have a virtual guarantee that they can trust your buying power.
We will help you pre-qualify
Our mortgage professionals will help you calculate the loan amount you can qualify for and the mortgage payment amount you can afford by helping you pre-qualify. In the process, we determine your borrowing potential - reviewing your job, available money for down payment, debt, income, and other areas. It's short and basic; and we take pride in keeping the paperwork light.
While you can use our mortgage calculators on our website, it will be essential to sit down and talk with us. We can walk you through your pre-qualification letter. Next, we can study your mortgage choices and make sure you are in the best one. We're eager to meet with you: call us at (407) 898-7559.
Have questions about pre-qualifying? Call us at (407) 898-7559. It's our job to answer pre-qualification questions, so we're happy to help!
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