It is helpful to see a mortgage loan pro early, even if you haven’t settled on the kind of house to look for. What for? If you do not yet know how much house you need to qualify for, how could we help?
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 helping you pre-qualify. We will do this by considering your income and debts, your work and residence situations, your funds available for down payment, required reserves, and other considerations. We will ask for a minimum amount of paperwork, with a short,basic process.
Once you qualify, will give you what’s called a Pre-Qualification Letter (your real estate agent may call it a “pre-qual”), which documents the fact that we are helping you to find the right mortgage to meet your financial needs and that we are confident you will qualify for a loan for a specific amount.
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A number of advantages open to you once you’ve found your next house, and have pre-qualification. First, it helps you know the amount that you can offer. Even more important to the seller of the house, your pre-qualification letter gives them certainty – as if you’d arrived at their house with a bag of cash to back up the offer! They will not need to worry that that they have been wasting their time if you can’t be able to qualify for a big enough mortgage. The seller of the home won’t worry if he can count on you to qualify for your loan.Your qualifying for your needed loan amount won’t cause them concern. You have the clout of a buyer ready to make the purchase on the spot!
We can help you pre-qualify
We can help you determine the loan amount you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. We will do this by considering your debts and income, your work and housing situations, your funds available for a down payment, required reserves, and other financial considerations. It is a quick, thorough process with minimal risks for papercuts.
It’s important to sit down and meet with us, even though you are free to also try the helpful mortgage loan calculator tools on this website. That way, we’ll help you get your pre-qualification letter. Then, we will make sure we have the right mortgage loan program for you. Contact us at 7032555810 to get started.
Have questions about pre-qualifying? It's our job to answer pre-qualification questions, so we're happy to help
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