Why Pre-Qualification is Important

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Even if you've not so much as picked out houses to visit yet, it's important to visit with your mortgage pro first. What for? If you don't know yet how much house you need to qualify for, how could we help?

We Will Help You Pre-Qualify

When we pre-qualify you, we help you figure out the amount in monthly payments you can fit in your budget, and the size of loan you can qualify for. In this process, we explore your capacity to borrow - reviewing your employment, available money for down payment, debts, income, and other areas. It's quick and to the point; We keep the paperwork light.

When you qualify, will give you a Pre-Qualification Letter (your real estate agent may refer to it as a "pre-qual"), that says that we are helping you to find the best mortgage to meet your needs and that we're confident you will qualify for a loan for up to a certain amount.

Buying Clout

Holding your pre-qualification letter, a number of advantages fall at your feet when you locate the home you want to put together an offer for. First of all, you have some concrete numbers in mind, as the total you will qualify for on your mortgage loan. Of greater importance to the seller, your pre-qualification is like your having entered their house with a bag full of cash ready to make the deal! They will not need to wonder if that they're wasting their time if you do not be able 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 loan.Your qualifying for your needed mortgage loan amount will not cause them concern. They have a virtual guarantee that they can trust your buying power.

We can help you pre-qualify

When we pre-qualify you, we help you determine the amount you can afford in monthly payments you can fit in your budget, and the loan amount you can qualify for. During this process, we calculate your capacity to borrow - looking at your employment, available money for down payment, existing debt, income, and other circumstances. It's short and to the point; and we keep the paperwork to a minimum.

Face to Face

While you can try our tools to calculate mortgage variables on our site, it is a good idea to sit down and talk with us. For one thing, you will want a Pre-Qualification Letter! Next, we can review your mortgage options and be sure you are in the best one. Contact us at 2603382561 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at 2603382561. VSI Home Lending answers pre-qualifying questions every day.