When to Speak to Your Mortgage Professional About Pre-Qualification

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It is important to consult with your mortgage loan professional as soon as possible — even before you have started narrowing down neighborhoods. What for? Maybe it is difficult to fathom the ways we could help even before you start to calculate your offer.

Pre-Qualify

Our mortgage professionals can help you find out how much of a loan you can qualify for and the mortgage payment amount you can afford by getting you pre-qualified. This process walks you through your financial situation - your debt, income, career, and cash available for down payment, among other things. We will require a minimum amount of paperwork, with a short,basic process.

When you qualify, we present to you a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), which documents the fact that we are working with you to find the best mortgage loan program to fit your situation and that we're confident you will qualify for a loan for up to a certain amount.

Pre-Qualification Power

Once you find the house that catches your eye, and you want to put together an offer, being pre-qualified for a mortgage will do several things. The first is that you'll know the amount you'll be able to afford when determining the offer. More important to the seller, your pre-qualification is like your having entered their house with a suitcase full of cash to make the deal! They need not be concerned they're wasting their time if you do not have the ability to qualify for a big enough mortgage. The seller of the home won't wonder if he can count on you to qualify for your loan.Your qualifying for your needed loan amount won't be something for them to worry about. They have a virtual guarantee to trust your buying power.

We can help you pre-qualify

We can help determine how much of a mortgage you can afford, and the amount of money you will be able to borrow, by walking you through pre-qualifying. The process takes you through your finances - your debt, income, job, cash available for down payment, among other things. It's a quick, thorough process with minimal risks for papercuts.

One-on-One

It's important for you to sit down and meet with us, even though you are welcome to also try the helpful mortgage loan calculator tools on this site. That way, we will help you get your pre-qualification letter. Then, we'll make sure we have chosen the best mortgage program for you. Let us get you started: Contact us at 7205988300.

Have questions about pre-qualifying? Call us at 7205988300. We answer pre-qualification questions every day.