The Importance of Pre-Qualification

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It is important to see a mortgage professional early, even before you've determined the kind of home you hope to find. What for? What can we do for you before you have negotiated an amount, and don't yet know how much you need to borrow?

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 will qualify for. This process outlines your finances - your debt, income, employment, and down payment money, among other things. It's short and to the point; We keep the paperwork light.

After you qualify, we give you a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), which documents the fact that we are helping you to find the right loan to meet your situation and that we're confident you'll qualify for a loan up to a certain amount.

Buying Clout

Several beneifits open to you once you've found your next house, and have pre-qualification. The first is that you can be sure what you can afford when calculating your offer. Of greater importance to the existing home owner, your being pre-qualified is like your having walked into their house with a suitcase full of cash to purchase their home! They need not worry that that they are wasting their time if you will not have the ability to qualify for a high enough mortgage. The seller won't wonder if he can trust you to qualify for your mortgage in the amount you will need.Your qualifying for your needed mortgage loan amount won't be something for them to be concerned about. You have the ability to back up your offer.

We can help you pre-qualify

When we pre-qualify you, we help you decide how much of a monthly payment you can afford, and the loan amount you will qualify for. During this process, we calculate your ability to borrow - looking at your earning status, available money for down payment, debt, income, and other circumstances. It's short and to the point; and we take pride in keeping the paperwork light.

Face to Face

It's important to sit down and meet with us, even though you are free to also utilize the helpful mortgage calculator tools on this site. That way, we will be able to help you get your pre-qualification letter. Then, we will make sure we have found the ideal mortgage program for your situation. Let us get you 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!