When to Talk to Your Mortgage Professional

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Even if you haven't picked out homes to view yet, it's advantageous to contact your mortgage professional early. What for? Perhaps it is difficult to fathom the ways we could help even before you start to negotiate.

We Can Help You Pre-Qualify

When we pre-qualify you, we help you decide how much of a monthly payment you can afford, and the loan amount you can qualify for. This process takes you through your current financial situation - your debt, income, career, and cash available for down payment, among other things. We ask for a minimum amount of paperwork, and avoid a lengthy process.

We award you a Pre-Qualification Letter once you qualify, that documents that we are confident you can qualify for a predetermined amount of mortgage dollars.

Pre-Qualification Power

Armed with your pre-qualification letter, a number of advantages fall at your feet at the point you find the home you want to put together an offer on. First, it lets you know the amount that you're able to offer. Being pre-qualified also will make your offer more attractive to the home seller, like you were bringing them a bag full of cash! They will not need to worry that that they have been wasting their time if you won't be able to 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 mortgage in the amount you'll need.Your qualifying for the necessary mortgage loan amount won't cause them concern. They have a virtual guarantee to trust your buying power.

We will help you with your pre-qualification

When we pre-qualify you, we help you figure out how much of a monthly mortgage payment you can afford, and how much we of a loan you can qualify for. In the process, we calculate your borrowing capacity - looking at your earning status, available money for down payment, existing debt, income, and other areas. It is a quick, thorough process with minimal risks for papercuts.

One-on-One

While you are able to use our mortgage calculators on this site, it is a good idea to sit down and talk with one of our mortgage professional team members. That way, we'll help you get your pre-qualification letter. Next, we can review your mortgage program choices to make sure you have chosen the best one. We are waiting to meet with you: call us at (203) 729-6681.

Have questions about pre-qualifying? Call us at (203) 729-6681. We answer pre-qualification questions every day.

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