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Even if you've not so much as researched houses to visit yet, it's valuable to see your mortgage loan professional first. What for? If you do not know yet how much house you need to qualify for, what could we do for you?
When we pre-qualify you, we help you figure out how much of a monthly payment you can afford, and the size of loan you can qualify for. The process outlines your financial situation - your debt, income, employment, and cash available for down payment, among other things. It's a quick, thorough process with minimal risks for papercuts.
When you qualify, will present to you a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), which says that we are partnering with you to find the ideal mortgage loan to fit your financial needs and that we are confident you will qualify for a mortgage for up to a specific amount.
Holding your pre-qualification letter, some advantages are yours at the point you find the house you want to make an offer for. First, it helps you know how much you're able to offer.
Having pre-qualification also will make your offer look even better to the seller, like you were bringing them a suitcase of cash! They won't need to worry that they're wasting their time if you won't be able to 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 mortgage in the amount you will need.Your qualifying for your needed mortgage loan amount won't cause them concern. You can have the sway of a buyer ready to make the deal right now!
We will help you with your pre-qualification
When we pre-qualify you, we help you decide the amount you can afford in monthly mortgage payments you can fit in your budget, and the loan amount you will qualify for. This process outlines your finances - your debt, income, employment, down payment money, among other things. We require a minimum amount of paperwork, and avoid a lengthy process.
Face to Face
While you are encouraged to try our mortgage calculators on our website, it will be essential to meet with us. We can work toward your pre-qualification letter. Next, we can study your mortgage loan options to be sure you have selected the best one. Let us help you get started: Contact us at 703.255-5810.
Have questions about pre-qualifying? Call us at 703.255-5810. It's our job to answer pre-qualification questions, so we're happy to help!