When to Talk to a Mortgage Pro
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Even if you've not so much as picked out houses to visit yet, it's important to contact your mortgage loan professional early. What for? When you do not know yet how much home you need to qualify for, how can we help?
We Will Help You Pre-Qualify
We will help you see how much of a mortgage you can afford, and how much money you will be able to borrow, by walking you through pre-qualifying. In the process, we determine your borrowing capacity - reviewing your employment, money available for down payment, debts, income, and other circumstances. It's short and to the point; We keep the paperwork light.
We will award you a Pre-Qualification Letter when you qualify, that states that we're confident you'll qualify for up to a predetermined amount of mortgage loan dollars.
With your pre-qualification letter, several advantages fall at your feet at the point you locate the home you want to put together an offer for. First, it lets you know the amount that you can offer.
Being pre-qualified also will make your offer more attractive to the seller, like you were bringing them a bag full of cash! They won't have to be concerned they are wasting their time if you won't be able to be able to qualify for a high enough mortgage. The seller of the home won't be concerned that he won't be able to count on you to qualify for your loan.Your qualifying for the necessary loan amount won't be something for them to fret over. You'll have the clout of a buyer ready to make the deal right now!
We will help you with your pre-qualification
Our mortgage professionals can help you calculate how much of a loan you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. The process outlines your financial situation - your debt, income, job, cash available for down payment, among other things. We will require a minimum amount of paperwork, and avoid a lengthy process.
One on one
You can always use the mortgage calculators here on our website to calculate the size mortgage you will be able to afford - but it's also important to meet with one of our mortgage professionals. We can begin getting your pre-qualification letter. Next, we can study your loan options to be sure you are in the right one. Contact us at 9044664155 to get started.
Have questions about pre-qualifying? Call us at 9044664155. It's our job to answer pre-qualification questions, so we're happy to help!