When to Talk to Your Mortgage Professional

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Even if you have not picked out houses to visit yet, it's important to contact your mortgage loan professional first. What for? When you do not know yet how much home you need to qualify for, how could we help?

We Will Help You Pre-Qualify

When we pre-qualify you, we help you figure out the amount in monthly payments you can afford, and how much we of a loan you will qualify for. This process outlines your financial situation - your debt, income, employment, and cash available for down payment, among other things. It is a short, thorough process with minimal risks for papercuts.

After you qualify, we present to you what's called a Pre-Qualification Letter (your real estate agent may refer to it as a "pre-qual"), that states that we are helping you to find the ideal loan program to fit your financial needs and that we're confident you will qualify for a mortgage loan for up to a certain amount.

Pre-Qual Power

A number of advantages open to you after you have found your dream house, and have pre-qualification. The first is that you will be sure what you will be able to afford when calculating your offer. Being pre-qualified will also make your offer more attractive to the seller, as if you were bringing them a bag full of cash! They will not need to wonder if that they have been wasting their time if you won't be able to 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 won't cause them concern. They have a virtual guarantee that they can trust your ability to back up your offer.

We will help you with your pre-qualification

We will help you calculate how much of a mortgage you can afford, and how much money you may be able to borrow, by walking you through pre-qualifying. In this process, we look at your borrowing capacity - analyzing your job, money available for down payment, existing debt, income, and other areas. We will ask for a minimum amount of paperwork, with a quick process.

One-on-One

While you can try our mortgage calculators on this site, it's essential to meet with us. For one thing, you will want a Pre-Qualification Letter! Then, we'll make sure we have selected the ideal mortgage loan program for your situation. Contact us at 4078987559 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at 4078987559. We answer pre-qualification questions every day.