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Even if you've not so much as picked out homes to visit yet, it's valuable to see your mortgage loan professional early. What for? Perhaps it is hard to understand the ways in which we could help even before you begin to calculate your offer.
When we pre-qualify you, we help you determine the amount in mortgage payments you can afford, and the loan amount you can qualify for. We can achieve this by considering your income and debts, your employment and residence situations, the available funds for a down payment, required reserves, and some other things. It's a quick, thorough process with minimal risks for papercuts.
We award you a Pre-Qualification Letter when you qualify, that states that we're confident you can qualify for up to a certain amount of mortgage dollars.
Several advantages open to you after you've found your new house, and have pre-qualification. The first is that you will know the amount you'll be able to afford when determining the offer.
Even more important to the seller, your pre-qualification gives them confidence - as if you'd arrived at their house with a bag of cash to make the offer! They need not wonder if they have been wasting their time if you don'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 mortgage in the amount you'll need.Your qualifying for your needed loan amount will not cause them concern. You have the capability to back your offer up.
We can help you pre-qualify
When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can fit in your budget, and how much we of a loan you will qualify for. We will do this by analyzing your debts and income, your employment and housing circumstances, the funds available for down payment, required reserves, and some other things. We will require a minimum amount of paperwork, and avoid a lengthy process.
You can certainly use the calculators available on this site to calculate the size mortgage you will be able to afford - but it's also important to meet with one of our mortgage professionals. For one thing, you will need a Pre-Qualification Letter! For another thing, we could locate a different mortgage choice that fits your goals better. We are waiting to hear from you: contact us at 5137966020.
Have questions about pre-qualifying? Call us at 5137966020. We answer pre-qualification questions every day.