Why it's Important to Pre-Qualify

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Even if you haven't so much as picked out houses to visit yet, it's important to visit with your mortgage pro early. Why? It might be difficult to fathom the ways in which we could help even before you start to calculate your offer.

We Will Help You Pre-Qualify

When we pre-qualify you, we help you decide how much of a monthly mortgage payment you can afford, and the loan amount you can qualify for. In this process, we explore your borrowing potential - reviewing your earning status, available money for down payment, debts, income, and other areas. It's quick and basic; We take pride in keeping the paperwork light.

When you qualify, we give you a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), which states that we are working with you to find the best mortgage to meet your financial needs and that we're confident you will qualify for a mortgage for up to a certain amount.

Power in the Pre-Qual

After you locate a house that is best for you, and you decide to make an offer, being pre-qualified for a mortgage will do several things. First, it lets you know the amount that you're able to offer. Even more important to the seller of the house, your pre-qualification letter gives them certainty - as if you had entered their house with a big box of cash to back up the offer! They need not worry that that they have been wasting their time if you can't have the ability to qualify for a big enough mortgage loan. The seller of the home won't worry if he can trust you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary loan amount won't be something for them to lose sleep over. You have the capability to back up your offer.

We can help you pre-qualify

When we pre-qualify you, we help you find out how much of a monthly payment you can fit in your budget, and the size of loan you will qualify for. We achieve this by analyzing your debts and income, your work and residence circumstances, the funds available for a down payment, required reserves, and other financial considerations. It is a quick, thorough process with minimal risks for papercuts.

Face to Face

It's vital to sit down and talk with us, even though you are free to also utilize the helpful mortgage loan calculator tools on our site. That way, we will help you get your pre-qualification letter. For another thing, we may locate a different mortgage choice that fits your situation better. We're eager to hear from you: call us at 2037296681.

Have questions about pre-qualifying? Call us at 2037296681. We answer pre-qualification questions every day.