Why it's Important to Pre-Qualify
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It's important to consult with your mortgage professional early — even before you have started to consider neighborhoods. What for? When you do not know yet how much home you want to qualify for, what can we help you with?
We Will Help You Pre-Qualify
We will help you calculate how much of a loan you can qualify for and the monthly payment amount you can afford by helping you pre-qualify. We accomplish this by reviewing your income and debts, your employment and housing circumstances, your available funds for down payment, required reserves, and other financial considerations. It's short and basic; We take pride in keeping the paperwork to a minimum.
We give you a Pre-Qualification Letter if you qualify, that says that we're confident you'll qualify for up to a specific amount of mortgage dollars.
Power in the Pre-Qual
When you find a house that is ideal for you, and you want to make an offer, being pre-qualified for a mortgage will do several things. The first is that you can know what you'll be able to afford when determining your offer.
Of greater importance to the existing home owner, your pre-qualification is like your having walked into their front door with a suitcase full of cash to make the deal! They need not be concerned that they're wasting their time if you don't have the ability to qualify for a big enough mortgage loan. The seller won't be concerned that he can't trust you to qualify for your loan.Your qualifying for your needed loan amount won't cause them concern. They have a virtual guarantee to trust your ability to back up your offer.
We help with your pre-qualification
We can help you determine the loan amount you can qualify for and the monthly payment amount you are able to afford by helping you pre-qualify. In this process, we determine your capacity to borrow - reviewing your earning status, available money for down payment, debt, income, and other circumstances. It's short and basic; and we take pride in keeping the paperwork light.
One on one
You can always use the mortgage calculators available on this website to get an idea of how much mortgage you'll be able to afford - but it's also valuable to talk with one of our mortgage professionals. For one thing, you'll want a Pre-Qualification Letter! Next, we can review your loan options to make sure you have chosen the best one. We're 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!