Why it's Important to Pre-Qualify
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Even if you've not picked out houses to view yet, it's important to see your mortgage pro early. What for? It might be hard to fathom the ways we can help even before you begin to talk about prices and negotiations.
We will help you see how much of a mortgage you can afford, and the amount of money you will be able to borrow, by taking you through pre-qualifying. This process takes you through your current financial situation - your debt, income, employment, and cash available for down payment, among other things. It's a short, thorough process with minimal risks for papercuts.
We'll give you a Pre-Qualification Letter if you qualify, that states that we are confident you can qualify for a predetermined amount of mortgage dollars.
Power in the Pre-Qual
When you locate the house that is right for you, and you decide to put together an offer, being pre-qualified for a mortgage loan will do a couple of things. The first is that you can know the amount you'll be able to afford when putting together the offer.
Being pre-qualified can also make your offer look even better to the seller, like you were bringing them a big box of cash! They will not have to wonder if they have been wasting their time if you don't have the ability 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 loan.Your qualifying for your needed loan amount will not be something for them to be concerned about. You can have the sway of a buyer ready to make the purchase right now!
We help with your pre-qualification
Our mortgage professionals can help you find out the loan amount you can qualify for and the monthly payment amount you are able to afford by helping you pre-qualify. The process takes you through your finances - your debts, income, job, down payment money, among other things. We require a minimum amount of paperwork, with a short, basic process.
Face to Face
While you are able to benefit from our mortgage calculators on our website, it's a good idea to meet with us. We can walk you through your pre-qualification letter. Then, we will make sure we have the best mortgage loan program for you. Let us help you get started: Call us at 720-598-8300.
Have questions about pre-qualifying? Call us at 720-598-8300. We answer pre-qualification questions every day.