When to Talk to Your Mortgage Professional

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Even if you have not so much as researched homes to visit yet, it's valuable to see your mortgage pro early. What for? What can we do for you if you have not negotiated a purchase amount, and don't yet know the amount you want to borrow?

We Can Help You Pre-Qualify

We can help determine how much of a mortgage loan you can afford, and how much money you can borrow, by taking you through pre-qualifying. This process outlines your financial situation - your debt, income, employment, and down payment money, among other things. We ask for a minimum amount of paperwork, and avoid a lengthy process.

Once you qualify, we give you what's called a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), that documents the fact that we are helping you to find the right mortgage loan to meet your financial needs and that we are confident you will qualify for a loan for up to a certain amount.

Power in the Pre-Qual

Armed with your pre-qualification letter, some advantages fall at your feet at the point you locate the house you want to make an offer on. First of all, you have some definite numbers in mind, as the amount you can borrow. Of greater importance to the current home owner, your pre-qualification is like your having walked into their front door with a bag full of cash ready to purchase their house! They will not have to worry that that they are wasting their time if you do not be able to qualify for a big enough mortgage. 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 cause them concern. You have the clout of a buyer ready to make the purchase on the spot!

We will help you with your pre-qualification

We will help you find out how much of a loan you can qualify for and the monthly payment amount you are able to afford by getting you pre-qualified. We accomplish this by analyzing your income and debts, your employment and housing situations, the funds available for down payment, required reserves, and some other things. We will require a minimum amount of paperwork, with a short, basic process.

One on one

While you are encouraged to use our mortgage calculators on our site, it will be a good idea to sit down and talk with one of our mortgage professional team members. We can begin working on your pre-qualification letter. Next, we can study your loan choices to be sure you have chosen the right one. We're waiting to meet with you: call us at 5613734149.

Have questions about pre-qualifying? Call us at 5613734149. We answer pre-qualification questions every day.