When to Talk to Your Mortgage Professional

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Even if you have not narrowed down homes to visit yet, it is advantageous to visit with your mortgage loan professional early. What for? How can we help you before you have negotiated an amount, and do not know yet the amount you want to borrow?

We Can Help You Pre-Qualify

We will help determine how much of a mortgage loan you can afford, and how much money you will be able to borrow, by taking you through the pre-qualification process. In the process, we look at your ability to borrow - 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.

Once you qualify, we give you what's called a Pre-Qualification Letter (your real estate agent may refer to it as a "pre-qual"), that states that we are helping you to find the best mortgage to fit your needs and that we are confident you will qualify for a mortgage for a specific amount.

Buying Clout

Several advantages open to you after you have found your next house, and have achieved pre-qualification. The first is that you'll know what you'll be able to afford when determining your offer. Your pre-qualification also will make your offer more attractive to the seller, as if you were bringing them a bag full of cash! They need not wonder if they are wasting their time if you do not have the ability to qualify for a big enough mortgage loan. The seller won't be concerned that he can't count on you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed mortgage loan amount will not cause them concern. You have the capability to back up your offer.

We will help you pre-qualify

We can help determine how much of a mortgage you can afford, and how much money you will be able to borrow, by walking you through the pre-qualification process. We achieve this by considering your income and debts, your employment and residence situations, the available funds for a down payment, required reserves, and some other things. It's quick and to the point; and we take pride in keeping the paperwork light.

One-on-One

It's important to sit down and meet with us, even though you are free to also try the helpful mortgage calculators on this website. That way, we'll help you get your pre-qualification letter. For another thing, we might locate a different mortgage program that is a better fit for you. Let us get you started: Contact us at 5613734149.

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