When to Speak to a Mortgage Pro

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Even if you've not picked out homes to visit yet, it can be valuable to see your mortgage professional early. What for? It may be difficult to understand the ways we can help even before you begin to negotiate.

Pre-Qualify

We can help you calculate how much of a mortgage loan you can afford, and how much money you can borrow, by taking you through the pre-qualification process. In the process, we calculate your ability to borrow - reviewing your earning status, available money for down payment, debt, income, and other areas. It's quick and basic; We take pride in keeping the paperwork light.

We will award you a Pre-Qualification Letter when you qualify, that states that we are confident you'll qualify for up to a specific amount of mortgage loan dollars.

Buying Clout

When you locate a house that meets your needs, and you want to put together an offer, being pre-qualified for a mortgage will do a number of things. First of all, you have some general numbers in mind, as the total you will qualify for on your mortgage. Even more important to the seller of the house, your pre-qualification gives them confidence - as if you had entered their house with a big box of cash to back up the offer! They need not wonder if they have been wasting their time if you do not be able to qualify for a high enough mortgage loan. 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 your needed loan amount won't be something for them to worry about. They have a virtual guarantee that they can trust your ability to back up your offer.

We will help you pre-qualify

We will help you calculate how much of a mortgage you can afford, and how much money you may be able to borrow, by taking you through pre-qualifying. We accomplish this by analyzing your income and debts, your work and housing situations, your funds available for a down payment, required reserves, and some other things. We will ask for a minimum amount of paperwork, with a short, basic process.

One-on-One

It's important for you to sit down and meet with us, even though you are free to also use the helpful mortgage loan calculator tools on this site. That way, we'll be able to help you get your pre-qualification letter. Next, we can consider your loan options and make sure you have chosen the best one. We're eager to hear from you: call us at 3217777277.

Have questions about pre-qualifying? Call us at 3217777277. We answer pre-qualification questions every day.