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It's important to consult with your mortgage loan professional early — even before you have started researching neighborhoods. What for? When you don't yet know how much home you need to qualify for, what could we do for you?
We will help you calculate how much of a mortgage you can afford, and how much money you will be able to borrow, by taking you through pre-qualifying. During this process, we look at your borrowing capacity - looking at your earning status, money available for down payment, existing debt, income, and other areas. It is a quick, thorough process with minimal risks for papercuts.
We will give you a Pre-Qualification Letter when you qualify, which says that we are confident you can qualify for up to a specific amount of mortgage dollars.
Power in the Pre-Qual
Once you locate a house that is right for you, and you decide to put together an offer, being pre-qualified for a mortgage will do a couple of things. The first is that you'll know the amount you'll be able to afford when determining your offer.
Your pre-qualification also will make your offer more attractive to the seller, like you were bringing them a big box of cash! They will not need to be concerned that they're wasting their time if you can't have the ability to qualify for a big enough mortgage. The seller of the home won't worry if he can trust you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary mortgage loan amount won't cause them concern. You will have the clout of a buyer ready to make the purchase on the spot!
We will help you pre-qualify
We will help you determine how much of a loan you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified. This process takes you through your finances - your debt, income, job, cash available for down payment, among other things. It's short and basic; and we take pride in keeping the paperwork to a minimum.
One on one
It's vital to sit down and meet with us, even though you are free to also try the helpful mortgage loan calculators on our website. We can begin getting your pre-qualification letter. For another thing, we may locate a different mortgage loan option that is a better fit for you. Contact us at 9727982110 to get started.
Have questions about pre-qualifying? Call us at 9727982110. It's our job to answer pre-qualification questions, so we're happy to help!