Why it's Important to Pre-Qualify

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It is helpful to visit with a mortgage professional first, even if you haven't settled on what sort of house you hope to find. Why? It might be difficult to understand the ways in which we can help even before you start to calculate your offer.

Pre-Qualify

We will help you calculate how much of a mortgage loan you can afford, and the amount of money you may be able to borrow, by walking you through the pre-qualification process. This process walks you through your finances - your debt, income, career, and down payment money, among other things. It is a short, thorough process with minimal risks for papercuts.

We'll give you a Pre-Qualification Letter if you qualify, that says that we're confident you'll qualify for a predetermined amount of mortgage loan dollars.

Power in the Pre-Qual

Once you locate the house that is best for you, and you want to make an offer, being pre-qualified for a mortgage loan will do several things. First of all, you have some general numbers in mind, as the amount you will qualify for with your mortgage loan. Even more important to the seller of the home, your pre-qualification status gives them confidence - as if you had entered their house with a bag of cash to back up the offer! They need not be concerned they are wasting their time if you don't be able to qualify for a big enough mortgage loan. The seller won't be concerned that he won't be able to trust you to qualify for your loan.Your qualifying for the necessary loan amount won't be something for them to fret over. You'll have the sway of a buyer ready to make the purchase right now!

We help with your pre-qualification

We can help you find out how much of a loan you can qualify for and the monthly payment amount you can afford by getting you pre-qualified. We can achieve this by reviewing your debts and income, your work and housing circumstances, your available funds for down payment, required reserves, and some other things. We will require a minimum amount of paperwork, and avoid a lengthy process.

One on one

While you can use our mortgage calculators on our website, it's essential to meet with one of our mortgage professional team members. That way, we will help you get your pre-qualification letter. Then, we'll make sure we have selected the right mortgage loan program for your situation. Contact us at (407) 898-7559 to get started.

Have questions about pre-qualifying? Call us at (407) 898-7559. America's Money Source answers pre-qualifying questions every day.