When to Speak to a Mortgage Professional About Pre-Qualifying

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Even if you've not so much as narrowed down houses to view yet, it can be advantageous to visit with your mortgage professional early. What for? It may be difficult to understand the ways in which we could help even before you start to negotiate.

We Can Help You Pre-Qualify

We can help you find out how much of a loan you can qualify for and the monthly mortgage payment amount you are able to afford by getting you pre-qualified. This process leads you through your current financial situation - your debt, income, job, and cash available for down payment, among other things. It's quick and to the point; We keep the paperwork to a minimum.

After you qualify, will give you a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), that says that we are partnering with you to find the right mortgage loan to fit your needs and that we are confident you will qualify for a mortgage up to a specific amount.

Buying Power

After you locate the house that catches your eye, and you decide to make an offer, being pre-qualified for a mortgage will do a couple of things. First, it helps you know the amount that you're able to offer. Being pre-qualified will also make your offer more attractive to the home seller, as if you were bringing them a suitcase full of cash! They will not have to wonder if that they are wasting their time if you don't be able to qualify for a high enough mortgage. The seller won't be concerned that he can't trust you to qualify for your loan.Your qualifying for the necessary loan amount won't cause them concern. You have the sway of a buyer ready to make the purchase right now!

We will help you 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 getting you pre-qualified. We accomplish this by analyzing your income and debts, your employment and residence situations, your funds available for down payment, required reserves, and other financial considerations. It is a short, thorough process with minimal risks for papercuts.

One-on-One

It's vital to sit down and talk with us, even though you are welcome to also utilize the helpful mortgage calculator tools on this website. We can walk you through your pre-qualification letter. Next, we can study your loan choices and be sure you are in the right one. Let us help you get started: Call us at 4078987559.

Have questions about pre-qualifying? Call us at 4078987559. It's our job to answer pre-qualification questions, so we're happy to help!