The Importance of Pre-Qualifying
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Even if you have not picked out homes to view yet, it's important to visit with your mortgage professional early. What for? If you don't know yet how much home you want to qualify for, how can we help?
We Can Help You Pre-Qualify
Our mortgage professionals can help you calculate the loan amount you can qualify for and the monthly mortgage payment amount you are able to afford by helping you pre-qualify. The process walks you through your current financial situation - your debts, income, job, and cash available for down payment, among other things. It is a short, thorough process with minimal risks for papercuts.
We'll award you a Pre-Qualification Letter once you qualify, which documents that we are confident you will qualify for up to a predetermined amount of mortgage dollars.
Once you locate the house that meets your needs, and you decide to make an offer, being pre-qualified for a mortgage loan will do a couple of things. The first is that you will know the amount you will be able to afford when determining the offer.
Even more important to the seller of the house, your pre-qualification status gives them certainty - as if you had entered their house with a suitcase of cash to back up the offer! They need not worry that that they are wasting their time if you will not be able to qualify for a high 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 be something for them to be concerned about. They have a virtual guarantee to trust your buying power.
We will help you with your pre-qualification
When we pre-qualify you, we help you decide how much of a monthly payment you can afford, and the loan amount you can qualify for. The process leads you through your finances - your debts, income, career, cash available for down payment, among other things. It's a quick, thorough process with minimal risks for papercuts.
It's vital for you to sit down and meet with us, even though you are welcome to also use the helpful mortgage calculators on our website. For one thing, you will want a Pre-Qualification Letter! Then, we'll make sure we have selected the best mortgage program for your situation. Contact us at 904-466-0110 to get your pre-qualification process started.
Have questions about pre-qualifying? Call us at 904-466-0110. It's our job to answer pre-qualification questions, so we're happy to help!