The Importance of Pre-Qualifying

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It is helpful to consult your mortgage professional early — even before you have started narrowing down neighborhoods. Why? It may be difficult to fathom the ways in which we can help even before you begin to talk about prices and negotiations.

Pre-Qualify

When we pre-qualify you, we help you decide how much of a monthly mortgage payment you can fit in your budget, and the loan amount you can qualify for. We can achieve this by considering your debts and income, your employment and residence situations, the funds available for down payment, required reserves, and other considerations. We will require a minimum amount of paperwork, and avoid a lengthy process.

We'll award you a Pre-Qualification Letter when you qualify, that says that we are confident you will qualify for up to a specific amount of mortgage dollars.

Power in the Pre-Qual

Several beneifits open to you after you find your dream house, and have achieved pre-qualification. First, you have some definite numbers in mind, as the amount you will be able to borrow. More important to the existing home owner, your being pre-qualified is like your having entered their house with a bag full of money ready to purchase the home! They won't need to wonder if they're wasting their time if you can't be able to qualify for a high enough mortgage. The seller won't be concerned that he can't count on you to qualify for your loan.Your qualifying for the necessary loan amount will not be something for them to fret over. You have the ability to back up your offer.

We will help you with your pre-qualification

We will help you see how much of a mortgage loan you can afford, and how much money you can borrow, by taking you through pre-qualifying. This process leads you through your finances - your debts, income, employment, down payment money, among other things. We will require a minimum amount of paperwork, and avoid a lengthy process.

Face to Face

While you can use our mortgage calculators on our site, it's essential to meet with one of our mortgage professional team members. We can work toward your pre-qualification letter. For another thing, we may locate a different mortgage option that fits your goals better. Let us help you get started: Contact us at 5613734149.

Have questions about pre-qualifying? Call us at 5613734149. It's our job to answer pre-qualification questions, so we're happy to help!