Why it's Important to Pre-Qualify
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Even if you have not so much as picked out homes to view yet, it can be important to see your mortgage loan professional first. Why? It may be difficult to fathom the way we can help even before you begin to negotiate.
We Will Help You Pre-Qualify
When we pre-qualify you, we help you figure out the amount in monthly mortgage payments you can fit in your budget, and the size of loan you will qualify for. The process outlines your current financial situation - your debts, income, job, and down payment money, among other things. It is a quick, thorough process with minimal risks for papercuts.
We will give you a Pre-Qualification Letter after you qualify, that states that we're confident you'll qualify for up to a certain amount of mortgage dollars.
Holding your pre-qualification letter, several advantages are yours when you find the home you want to put together an offer for. First, it lets you know how much you're able to offer.
Of greater importance to the seller, your pre-qualification is like your having entered their front door with a suitcase full of money to make the deal! They will not need to wonder if that they have been wasting their time if you do not be able to qualify for a high enough mortgage loan. The seller of the home won't be concerned that he won't be able to trust you to qualify for your loan.Your qualifying for your needed mortgage loan amount will not be something for them to fret over. They have a virtual guarantee that they can trust your ability to back up your offer.
We can help you pre-qualify
We will help determine how much of a mortgage you can afford, and the amount of money you may be able to borrow, by walking you through the pre-qualification process. During this process, we explore your borrowing power - analyzing your job, available money for down payment, debt, income, and other areas. We require a minimum amount of paperwork, with a short, basic process.
One on one
It is important for you to sit down and talk with us, even though you are welcome to also utilize the helpful mortgage loan calculator tools on our website. We can work toward your pre-qualification letter. Then, we can make sure we have the best mortgage loan program for you. We are waiting to meet with you: contact us at 954.920.9799.
Have questions about pre-qualifying? Call us at 954.920.9799. It's our job to answer pre-qualification questions, so we're happy to help!