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It is important to consult your mortgage professional early — even before you've begun narrowing down neighborhoods. What for? It might be hard to understand the ways in which we could help even before you start to talk about prices and negotiations.
We Will Help You Pre-Qualify
Our mortgage professionals can help you calculate the loan amount you can qualify for and the monthly payment amount you are able to afford by helping you pre-qualify. We achieve this by considering your income and debts, your work and housing situations, the funds available for down payment, required reserves, and some other things. It's quick and to the point; We take pride in keeping the paperwork to a minimum.
We will award you a Pre-Qualification Letter after you qualify, which states that we're confident you can qualify for a specific amount of mortgage dollars.
Some beneifits open to you once you have found your new house, and have achieved pre-qualification. First, it lets you know how much you are able to offer.
Even more important to the current owner, your pre-qualification letter gives them confidence - as if you'd come into their house with a suitcase of cash to back up the offer! They won't need to be concerned they have been wasting their time if you don't have the ability to qualify for a big enough mortgage. The seller won't wonder if he can count on you to qualify for your loan.Your qualifying for the necessary mortgage loan amount will not be something for them to worry about. They have a virtual guarantee to trust your buying power.
We help with your pre-qualification
We will help you calculate how much of a mortgage loan you can afford, and the amount of money you will be able to borrow, by walking you through the pre-qualification process. During this process, we explore your ability to borrow - reviewing your earning status, money available for down payment, debt, income, and other circumstances. It is a short, thorough process with minimal risks for papercuts.
Face to Face
It is important for you to sit down and meet with us, even though you are welcome to also use the helpful mortgage loan calculator tools on this website. We can work toward your pre-qualification letter. For another thing, we could find a different mortgage loan option that fits your situation better. We're eager to hear from you: call us at 864-438-4550.
Have questions about pre-qualifying? Call us at 864-438-4550. We answer pre-qualification questions every day.