When to Talk to Your Mortgage Professional About Pre-Qualifying

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It's valuable to see a mortgage professional early, even before you've decided what type of home to look for. Why? It may be hard to understand the ways we can help even before you begin to calculate your offer.

Pre-Qualify

When we pre-qualify you, we help you figure out how much of a monthly payment you can afford, and how much we of a loan you will qualify for. This process leads you through your current financial situation - your debt, income, job, and down payment money, among other things. It's a short, thorough process with minimal risks for papercuts.

When you are considered eligible, we prove our confidence in your potential to qualify for a loan by presenting you with a Pre-Qualification Letter (also called a "pre-qual").

Pre-Qual Power

When you locate a house that meets your needs, and you want to put together an offer, being pre-qualified for a loan will do a couple of things. The first is that you will know what you will be able to afford when calculating your offer. Even more important to the seller, your pre-qualification status gives them certainty - as if you'd arrived at their house with a suitcase of cash to back up the offer! They need not worry that they have been wasting their time if you won't be able to have the ability to qualify for a big enough mortgage. The seller of the home won't be concerned that he can't count on you to qualify for your loan.Your qualifying for the necessary loan amount will not cause them concern. You have the ability to back your offer up.

We can help you pre-qualify

We can help you find out how much of a loan you can qualify for and the monthly mortgage payment amount you are able to afford by getting you pre-qualified. We accomplish this by considering your income and debts, your employment and housing situations, your funds available for down payment, required reserves, and other financial considerations. It's short and to the point; and we take pride in keeping the paperwork to a minimum.

One-on-One

While you can try our mortgage calculators on this site, it's a good idea to sit down and talk with one of our mortgage professional team members. For one thing, you'll need a Pre-Qualification Letter! Then, we will make sure we have the ideal mortgage program for you. We're waiting to meet with you: contact us at 2037296681.

Have questions about pre-qualifying? Call us at 2037296681. It's our job to answer pre-qualification questions, so we're happy to help!