When to Speak to Your Mortgage Professional

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It is important to visit with a mortgage professional early, even before you've determined the sort of house you hope to find. What for? When you don't know yet how much home you want to qualify for, what can we do for you?

We Can Help You Pre-Qualify

When we pre-qualify you, we help you decide the amount in monthly payments you can fit in your budget, and how much we of a loan you can qualify for. This process walks you through your financial situation - your debts, income, job, and down payment money, among other things. It is a short, thorough process with minimal risks for papercuts.

After you are determined to be eligible, we will prove our confidence in your potential to qualify for a mortgage by presenting you with a Pre-Qualification Letter (also known as a "pre-qual").

Pre-Qual Power

Holding your pre-qualification letter, some advantages fall at your feet when you find the home you want to put together an offer for. The first is that you'll be sure what you will be able to afford when determining the offer. Your pre-qualification also will make your offer more attractive to the seller, like you were bringing them a bag full of cash! They won't need to be concerned they're wasting their time if you won't be able to be able 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 mortgage in the amount you will need.Your qualifying for the necessary mortgage loan amount won't be something for them to lose sleep over. You have the ability to back your offer up.

We will help you pre-qualify

We can help you see how much of a mortgage you can afford, and the amount of money you may be able to borrow, by walking you through the pre-qualification process. We will do this by reviewing your debts and income, your employment and housing situations, the funds available for a down payment, required reserves, and some other things. We will ask for a minimum amount of paperwork, and avoid a lengthy process.

Face to Face

You can certainly use the calculators available on this website to calculate how much mortgage you'll be able to afford - but it's also valuable to meet with one of our mortgage professionals. We can begin working on your pre-qualification letter. Then, we'll make sure we have selected the right mortgage program for your situation. Contact us at 2603382561 to get started.

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

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