When to Talk to a Mortgage Pro About Pre-Qualifying

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It's valuable to consult your mortgage professional early — even before you have started narrowing down neighborhoods. Why? How can we help you if you have not made your offer, and do not know yet the amount you want to borrow?

Pre-Qualify

When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford, and the loan amount you will qualify for. This process outlines your current financial situation - your debts, income, job, and down payment money, among other things. It's a short, thorough process with minimal risks for papercuts.

At the point you are considered eligible, we will prove our confidence in your capacity to qualify for a loan by awarding you a Pre-Qualification Letter (also known as a "pre-qual").

Buying Clout

When you find the house that catches your eye, and you decide to make an offer, being pre-qualified for a mortgage will do a number of things. First, it helps you know how much you are able to offer. Even more important to the seller of the home, your pre-qualification gives them certainty - as if you had entered their house with a suitcase of cash to make the offer! They won't have to worry that they are wasting their time if you won't be able to have the ability to qualify for a high enough mortgage. The seller won't worry if he can count on you to qualify for your loan.Your qualifying for your needed loan amount will not cause them concern. They have a virtual guarantee to trust your buying power.

We help with your pre-qualification

When we pre-qualify you, we help you determine the amount you can afford in monthly payments you can afford, and the size of loan you will qualify for. The process outlines your finances - your debt, income, job, cash available for down payment, among other things. It's short and to the point; and we take pride in keeping the paperwork to a minimum.

Face to Face

You can always use the calculators on this website to get an idea of how much mortgage you can afford - but it's also important to meet with one of our mortgage professionals. We can work toward your pre-qualification letter. For another thing, we could be able to find a different mortgage loan option that better fits your needs. Contact us at (904) 342-3622 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at (904) 342-3622. It's our job to answer pre-qualification questions, so we're happy to help!

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