When to Speak to Your Mortgage Professional About Pre-Qualification

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Even if you haven't researched houses to visit yet, it's advantageous to visit with your mortgage professional first. Why? Maybe it's hard to fathom how we can help even before you begin to talk about prices and negotiations.

We Will Help You Pre-Qualify

We can help you see how much of a mortgage loan you can afford, and how much money you may be able to borrow, by walking you through the pre-qualification process. In the process, we calculate your borrowing potential - analyzing your job, available money for down payment, debts, income, and other circumstances. It is a short, thorough process with minimal risks for papercuts.

After you are considered eligible, we will prove our confidence in your potential to qualify for a mortgage loan by giving you a Pre-Qualification Letter (also called a "pre-qual").

Pre-Qualification Power

Armed with your pre-qualification letter, several advantages are yours at the point you locate the house you want to put together an offer on. The first is that you'll know what you will be able to afford when calculating the offer. Even more important to the seller, your pre-qualification gives them confidence - as if you'd come to their home with a big box of cash to make the offer! They won't have to wonder if they are wasting their time if you do not have the ability to qualify for a big enough mortgage. The seller of the home won't be concerned that he won't be able to trust you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed loan amount won't cause them concern. You have the capability to back up your offer.

We will help you pre-qualify

We can help you calculate the loan amount you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. In this process, we calculate your borrowing potential - looking at your employment, available money for down payment, debt, income, and other areas. It's a quick, thorough process with minimal risks for papercuts.

One on one

You can certainly use the calculators available on our site to calculate the size mortgage you can afford - but it's also essential to meet with one of our mortgage professionals. That way, we will help you get your pre-qualification letter. Next, we can study your mortgage choices to make sure you have selected the right one. Let us get you 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!