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It's helpful to bring in your mortgage loan professional early — even before you have started narrowing down neighborhoods. What for? How can we help you if you have not made your offer, and don't yet know how much you need to borrow?
When we pre-qualify you, we help you determine the amount in mortgage payments you can fit in your budget, and how much we of a loan you will qualify for. During this process, we explore your capacity to borrow - reviewing your job, available money for down payment, debts, income, and other circumstances. It's a quick, thorough process with minimal risks for papercuts.
We will award you a Pre-Qualification Letter after you qualify, that documents that we are confident you will qualify for up to a predetermined amount of mortgage loan dollars.
Holding your pre-qualification letter, a number of advantages fall at your feet at the point you locate the house you want to put together an offer for. First, it helps you know the amount that you're able to offer.
Having pre-qualification also will make your offer look even better to the seller, as if you were bringing them a suitcase full of cash! They won't have to be concerned that they are wasting their time if you don't have the ability to qualify for a big enough mortgage. The seller won't worry if he can count on you to qualify for your mortgage in the amount you will need.Your qualifying for your needed loan amount will not be something for them to worry about. You have the capability to back up your offer.
We will 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 walking you through the pre-qualification process. We can achieve this by considering your debts and income, your work and housing situations, your funds available for a down payment, required reserves, and some other things. It's quick and basic; and we keep the paperwork to a minimum.
One on one
You can always use the mortgage calculators here on this website to calculate how much mortgage you'll be able to afford - but it's also valuable to meet with one of our mortgage professionals. We can begin getting your pre-qualification letter. Next, we can review your mortgage options to be sure you are in the best one. We are eager to hear from you: call us at 703.255-5810.
Have questions about pre-qualifying? Call us at 703.255-5810. We answer pre-qualification questions every day.