Why Pre-Qualification is Important
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It is helpful to consult with your mortgage loan professional as soon as possible — even before you've started to research neighborhoods. What for? It may be difficult to fathom the ways we can help even before you begin to talk about prices and negotiations.
When we pre-qualify you, we help you determine the amount in mortgage payments you can afford, and the loan amount you will qualify for. This process outlines your current financial situation - your debt, income, career, and down payment money, among other things. It's a quick, thorough process with minimal risks for papercuts.
We'll give you a Pre-Qualification Letter once you qualify, which documents that we are confident you'll qualify for a certain amount of mortgage dollars.
After you locate a house that is right for you, and you decide to make an offer, being pre-qualified for a loan will do a couple of things. First, you have some definite numbers in mind, as the total you will be able to borrow.
Of greater importance to the current home owner, your being pre-qualified is like your having entered their house with a suitcase full of cash to make the deal! They need not be concerned they are wasting their time if you will not be able to qualify for a big enough mortgage loan. The seller won't worry if he can count on you to qualify for your loan.Your qualifying for your needed loan amount will not be something for them to worry about. You have the influence of a buyer ready to make the purchase right now!
We will help you pre-qualify
We can help you determine how much of a loan you can qualify for and the mortgage payment amount you can afford by getting you pre-qualified. We achieve this by reviewing your income and debts, your work and housing situations, your available funds for down payment, required reserves, and other considerations. It's quick and basic; and we keep the paperwork light.
Face to Face
While you are able to use our mortgage calculators on this website, it is essential to meet with us. For one thing, you'll need a Pre-Qualification Letter! For another thing, we might locate a different mortgage option that better fits your needs. Let us get you started: Contact us at (321) 777-7277.
Have questions about pre-qualifying? Call us at (321) 777-7277. It's our job to answer pre-qualification questions, so we're happy to help!