When to Speak to Your Mortgage Pro
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It is valuable to visit with a mortgage loan pro first, even before you have determined what type of house to search for. What for? What can we do for you if you haven't made an offer, and don't yet know the amount you need to borrow?
We Will Help You Pre-Qualify
We will help you see how much of a mortgage you can afford, and the amount of money you will be able to borrow, by walking you through the pre-qualification process. This process outlines your finances - your debt, income, career, and down payment money, among other things. We will ask for a minimum amount of paperwork, with a quick process.
When you qualify, we give you what's called a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), that states that we are working with you to find the ideal mortgage loan to fit your situation and that we are confident you'll qualify for a mortgage loan for up to a certain amount.
Holding your pre-qualification letter, a number of advantages fall at your feet at the point you find the house you want to put together an offer on. The first is that you will know what you'll be able to afford when determining your offer.
Of greater importance to the home seller, your pre-qualification is like your having entered their house with a bag full of cash ready to make the deal! They will not need to wonder if they have been wasting their time if you will not have the ability to qualify for a high enough mortgage. The seller won't worry if he can count on you to qualify for your loan.Your qualifying for your needed loan amount won't be something for them to fret over. You have the ability to back your offer up.
We help with your pre-qualification
When we pre-qualify you, we help you determine 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 financial situation - your debts, income, career, down payment money, among other things. We will ask for a minimum amount of paperwork, with a short, basic process.
One on one
It is important for you to sit down and meet with us, even though you are free to also try the helpful mortgage calculator tools on our site. We can walk you through your pre-qualification letter. Next, we can consider your mortgage choices to be sure you are in the right one. Contact us at 877-310-6200 to get your pre-qualification process started.
Have questions about pre-qualifying? Call us at 877-310-6200. We answer pre-qualification questions every day.