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Even if you have not narrowed down homes to visit yet, it's valuable to contact your mortgage professional early. Why? Perhaps it is hard to fathom how we could help even before you start to talk about prices and negotiations.
We Will Help You Pre-Qualify
When we pre-qualify you, we help you find out the amount in mortgage payments you can fit in your budget, and the size of loan you will qualify for. This process outlines your finances - your debt, income, employment, and cash available for down payment, among other things. It's quick and to the point; We take pride in keeping the paperwork to a minimum.
We award you a Pre-Qualification Letter if you qualify, that states that we are confident you will qualify for up to a specific amount of mortgage loan dollars.
Various advantages open to you once you've found your dream house, and have pre-qualification. The first is that you will be sure what you will be able to afford when calculating the offer.
Even more important to the present owner, your pre-qualification gives them confidence - as if you had come to their home with a suitcase of cash to back up the offer! They need not be concerned they're wasting their time if you do not have the ability to qualify for a big enough mortgage loan. The seller won't be concerned that he can't count on you to qualify for your loan.Your qualifying for the necessary mortgage loan amount won't cause them concern. You have the capability to back your offer up.
We can help you pre-qualify
We can help you determine how much of a loan you can qualify for and the monthly payment amount you can afford by getting you pre-qualified. In this process, we determine your borrowing capacity - looking at your job, money available for down payment, existing debt, income, and other circumstances. It is a short, thorough process with minimal risks for papercuts.
Face to Face
While you can try our mortgage calculators on our website, it is a good idea to sit down and talk with one of our mortgage professional team members. We can walk you through your pre-qualification letter. Then, we will make sure we have selected the best mortgage loan program for you. We're waiting to hear from you: call us at 720-598-8300.
Have questions about pre-qualifying? Call us at 720-598-8300. We answer pre-qualification questions every day.