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Even if you haven't narrowed down homes to visit yet, it can be advantageous to see your mortgage pro first. What for? It might be difficult to fathom the ways we can help even before you start to talk about prices and negotiations.
We will help you find out the loan amount you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. During this process, we calculate your borrowing potential - looking at your earning status, money available for down payment, debt, income, and other areas. It's quick and to the point; We keep the paperwork to a minimum.
We'll award you a Pre-Qualification Letter if you qualify, which says that we're confident you'll qualify for a specific amount of mortgage dollars.
A number of advantages open to you once you've found your new house, and have achieved pre-qualification. The first is that you can be sure the amount you will be able to afford when calculating the offer.
Even more important to the seller, your pre-qualification letter gives them certainty - as if you had entered their home with a suitcase of cash to make the offer! They won't need to worry that they are wasting their time if you won't be able to have the ability to qualify for a high enough mortgage. The seller of the home won't worry if he can count on you to qualify for your loan.Your qualifying for the necessary loan amount won't cause them concern. They have a virtual guarantee that they can trust your ability to back up your offer.
We will help you with your pre-qualification
We will help determine how much of a mortgage you can afford, and how much money you can borrow, by walking you through pre-qualifying. This process outlines your finances - your debts, income, job, cash available for down payment, among other things. It is a quick, thorough process with minimal risks for papercuts.
It's important for you to sit down and meet with us, even though you are free to also try the helpful mortgage calculator tools on our site. For one thing, you will need a Pre-Qualification Letter! For another thing, we may be able to locate a different mortgage option that fits your goals better. Let us get you started: Contact us at 3217777277.
Have questions about pre-qualifying? Call us at 3217777277. AmeriBest Mortgage answers pre-qualifying questions every day.