When to Speak to a Mortgage Pro
Shopping for a mortgage? We will be glad to help! Call us at (260) 338-2561. Ready to begin? Apply Here.
It's valuable to visit with a mortgage professional early, even if you haven't decided what type of house you hope to find. Why? It may be difficult to fathom the way we could help even before you start to talk about prices and negotiations.
We Can Help You Pre-Qualify
Our mortgage professionals can help you calculate the loan amount you can qualify for and the monthly payment amount you are able to afford by getting you pre-qualified. The process leads you through your financial situation - your debt, income, job, and down payment money, among other things. It's a quick, thorough process with minimal risks for papercuts.
When you are considered eligible, we prove our confidence in your ability to qualify for a mortgage loan by presenting you with a Pre-Qualification Letter (also called a "pre-qual").
Holding your pre-qualification letter, some advantages are yours at the point you find the home you want to make an offer on. First of all, you have some general numbers in mind, as the total you will qualify for with your mortgage.
Your pre-qualification also will make your offer more attractive to the home seller, like you were bringing them a suitcase full of cash! They won't need to worry that they are wasting their time if you don't be able to qualify for a high enough mortgage loan. The seller won't wonder if he can trust you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed mortgage loan amount will not be something for them to worry about. They have a virtual guarantee to trust your ability to back up your offer.
We help with your pre-qualification
Our mortgage professionals will help you calculate how much of a loan you can qualify for and the monthly payment amount you are able to afford by getting you pre-qualified. We do this by reviewing your debts and income, your work and residence circumstances, the available funds for a down payment, required reserves, and other financial considerations. It's a quick, thorough process with minimal risks for papercuts.
One on one
You can always use the calculators on our site to calculate how much mortgage you'll be able to afford - but it's also important to talk with one of our mortgage professionals. For one thing, you will need a Pre-Qualification Letter! Then, we will make sure we have the right mortgage program for you. We're waiting to meet with you: contact us at (260) 338-2561.
Have questions about pre-qualifying? Call us at (260) 338-2561. It's our job to answer pre-qualification questions, so we're happy to help!