The Importance of Pre-Qualifying
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It's helpful to visit with a mortgage professional first, even if you haven't settled on the sort of home to search for. What for? Perhaps it's hard to fathom how we can help even before you begin to calculate your offer.
We Will Help You Pre-Qualify
Our mortgage professionals can help you determine the loan amount you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified. We can accomplish this by reviewing your income and debts, your work and housing circumstances, your funds available for a down payment, required reserves, and some other things. It is a short, thorough process with minimal risks for papercuts.
We will award you a Pre-Qualification Letter after you qualify, that says that we are confident you'll qualify for a certain amount of mortgage loan dollars.
Armed with your pre-qualification letter, several advantages are yours at the point you locate the house you want to make an offer on. The first is that you can know what you will be able to afford when determining your offer.
Of greater importance to the seller, your being pre-qualified is like your having walked into their house with a bag full of money ready to purchase their home! They will not need to wonder if 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 worry if he can trust you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed loan amount will not be something for them to lose sleep over. You will have the sway of a buyer ready to make the deal right now!
We will help you with your pre-qualification
We will help determine how much of a mortgage loan you can afford, and how much money you will be able to borrow, by taking you through pre-qualifying. We will accomplish this by reviewing your debts and income, your employment and housing situations, the funds available for a down payment, required reserves, and some other things. It's quick and basic; and we take pride in keeping the paperwork light.
One on one
You can certainly use the mortgage calculators on our site to get an idea of how much mortgage you'll be able to afford - but it's also essential to meet with us. That way, we'll be able to help you get your pre-qualification letter. For another thing, we could find a different mortgage loan option that fits your situation better. Let us get you started: Call us at 949-235-3507.
Have questions about pre-qualifying? Call us at 949-235-3507. It's our job to answer pre-qualification questions, so we're happy to help!