Why it's Important to Pre-Qualify

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It's important to see a mortgage professional first, even if you haven't settled on the sort of house to look for. Why? When you don't yet know how much home you need to qualify for, what could we help you with?

We Will Help You Pre-Qualify

Our mortgage professionals will help you calculate the loan amount you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. The process leads you through your financial situation - your debt, income, employment, and cash available for down payment, among other things. It's quick and basic; We keep the paperwork to a minimum.

Once you qualify, we give you a Pre-Qualification Letter (your real estate agent may refer to it as a "pre-qual"), that documents the fact that we are partnering with you to find the best mortgage loan to meet your needs and that we are confident you will qualify for a mortgage loan for up to a specific amount.

Buying Power

Holding your pre-qualification letter, a number of advantages are yours at the point you locate the house you want to make an offer for. First, it lets you know how much you're able to offer. Your pre-qualification also will make your offer more attractive to the seller, like you were bringing them a suitcase of cash! They won't have to wonder if they're wasting their time if you don't be able to qualify for a big enough mortgage. The seller won't wonder if he can trust you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary mortgage loan amount won't be something for them to fret over. They have a virtual guarantee that they can trust your ability to back up your offer.

We will help you pre-qualify

When we pre-qualify you, we help you figure out how much of a monthly mortgage payment you can fit in your budget, and the size of loan you will qualify for. We do this by considering your income and debts, your work and residence circumstances, the funds available for a down payment, required reserves, and other financial considerations. It's short and to the point; and we take pride in keeping the paperwork light.

One on one

While you are encouraged to try our tools to calculate mortgage variables on our website, it's essential to sit down and talk with one of our mortgage professional team members. For one thing, you will want a Pre-Qualification Letter! For another thing, we could locate a different mortgage choice that better fits your needs. Let us help you get started: Contact us at 3217777277.

Have questions about pre-qualifying? Call us at 3217777277. It's our job to answer pre-qualification questions, so we're happy to help!