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It's important to consult your mortgage professional as soon as possible — even before you've started researching neighborhoods. What for? Perhaps it's hard to fathom the ways in which we can help even before you start to negotiate.
We Will Help You Pre-Qualify
We will help you find out how much of a loan you can qualify for and the monthly mortgage payment amount you are able to afford by getting you pre-qualified. During the process, we determine your ability to borrow - analyzing your earning status, money available for down payment, debts, income, and other areas. It's quick and basic; We take pride in keeping the paperwork light.
We will give you a Pre-Qualification Letter if you qualify, that says that we're confident you will qualify for a certain amount of mortgage dollars.
Power in the Pre-Qual
Several advantages open to you once you've found your next house, and have pre-qualification power. First, it helps you know the amount that you are able to offer.
More important to the home seller, your pre-qualification is like your having walked into their house with a suitcase full of cash to make the deal! They won't need to be concerned that they're wasting their time if you will not be able to qualify for a big enough mortgage. The seller of the home won't be concerned that he won't be able to count on 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 worry about. They have a virtual guarantee that they can trust your ability to back up your offer.
We will help you pre-qualify
When we pre-qualify you, we help you figure out the amount you can afford in monthly payments you can fit in your budget, and the loan amount you will qualify for. The process walks you through your current financial situation - your debt, income, job, cash available for down payment, among other things. It is a quick, thorough process with minimal risks for papercuts.
One on one
You can always use the mortgage calculators here on this site to calculate the size mortgage you'll be able to afford - but it's also valuable to talk with us. That way, we'll be able to help you get your pre-qualification letter. Then, we will make sure we have chosen the best mortgage program for you. Contact us at 703.255-5810 to get started.
Have questions about pre-qualifying? Call us at 703.255-5810. We answer pre-qualification questions every day.