The Importance of Pre-Qualifying
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Even if you haven't so much as picked out homes to view yet, it's important to contact your mortgage professional first. Why? It may be difficult to fathom how we could help even before you begin to talk about prices and negotiations.
We Can Help You Pre-Qualify
We will help you find out the loan amount you can qualify for and the monthly payment amount you can afford by helping you pre-qualify. This process walks you through your financial situation - your debts, income, employment, and down payment money, among other things. We ask for a minimum amount of paperwork, with a quick process.
When you qualify, we present to you a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), that states that we are working with you to find the best loan program to fit your needs and that we're confident you'll qualify for a loan up to a specific amount.
Various beneifits open to you when you've found your dream house, and have pre-qualification power. The first is that you can be sure the amount you can afford when calculating your offer.
More important to the home seller, your pre-qualification is like your having walked into their house with a bag full of cash to make the deal! They need not be concerned they have been wasting their time if you do not have the ability to qualify for a high enough mortgage. The seller won't wonder if he can count on you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary mortgage loan amount will not cause them concern. You have the ability to back up your offer.
We help with your pre-qualification
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. During this process, we calculate your borrowing power - reviewing your employment, money available for down payment, debt, income, and other circumstances. We will require a minimum amount of paperwork, with a short, basic process.
One on one
It is important for you to sit down and meet with us, even though you are welcome to also use the helpful mortgage loan calculators on our site. That way, we will help you get your pre-qualification letter. Then, we'll make sure we have chosen the best mortgage loan program for your situation. Contact us at (904) 342-3622 to get your pre-qualification process started.
Have questions about pre-qualifying? Call us at (904) 342-3622. Bright Vision Mortgage answers pre-qualifying questions every day.