When to Talk to a Mortgage Pro About Pre-Qualification

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Even if you have not researched homes to view yet, it's valuable to visit with your mortgage loan professional early. What for? It may be difficult to understand how we can help even before you begin to negotiate.

Pre-Qualify

When we pre-qualify you, we help you figure out how much of a monthly mortgage payment you can afford, and the loan amount you can qualify for. We will accomplish this by considering your debts and income, your employment and housing situations, the funds available for a down payment, required reserves, and some other things. We will require a minimum amount of paperwork, and avoid a lengthy process.

Once you are determined to be eligible, we prove our confidence in your ability to qualify for a loan by giving you a Pre-Qualification Letter (also known as a "pre-qual").

Pre-Qualification Power

Once you locate a house that is ideal for you, and you want to make an offer, being pre-qualified for a loan will do a number of things. First of all, you have some definite numbers in mind, as the amount you will be able to borrow. Of greater importance to the current home owner, your being pre-qualified is like your having walked into their house with a suitcase full of money ready to make the deal! They will not need to worry that that they are wasting their time if you do not have the ability to qualify for a big enough mortgage. The seller of the home won't be concerned that he won't be able to count on you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary mortgage loan amount won't be something for them to fret over. You can have the sway of a buyer ready to make the deal right now!

We can help you pre-qualify

We can help you see how much of a mortgage you can afford, and how much money you will be able to borrow, by taking you through pre-qualifying. The process leads you through your finances - your debt, income, employment, down payment money, among other things. It's a short, thorough process with minimal risks for papercuts.

One-on-One

It's vital to sit down and talk with us, even though you are welcome to also use the helpful mortgage calculators on this site. For one thing, you will want a Pre-Qualification Letter! Next, we can consider your mortgage loan options to be sure you have chosen the right one. Let us help you get started: Call us at 2603382561.

Have questions about pre-qualifying? Call us at 2603382561. It's our job to answer pre-qualification questions, so we're happy to help!