The Importance of Pre-Qualifying
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It's important to consult with your mortgage loan professional as soon as possible — even before you have started narrowing down neighborhoods. What for? How can we help if you haven't negotiated a purchase amount, and don't know yet the amount you want to borrow?
We Will Help You Pre-Qualify
We will help determine how much of a mortgage loan you can afford, and the amount of money you may be able to borrow, by taking you through the pre-qualification process. This process takes you through your current financial situation - your debt, income, employment, and down payment money, among other things. It's a quick, thorough process with minimal risks for papercuts.
We give you a Pre-Qualification Letter when you qualify, which says that we're confident you'll qualify for a certain amount of mortgage loan dollars.
Several advantages open to you once you find your next house, and have achieved pre-qualification power. The first is that you can know what you will be able to afford when putting together the offer.
Even more important to the seller, your pre-qualification gives them certainty - as if you had entered their home with a big box of cash to make the offer! They will not have to wonder if that they're wasting their time if you don't have the ability to qualify for a high enough mortgage. 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 the necessary mortgage loan amount won't be something for them to be concerned about. You have the capability to back your offer up.
We help with your pre-qualification
We can help determine how much of a mortgage you can afford, and how much money you may be able to borrow, by walking you through the pre-qualification process. During the process, we calculate your borrowing potential - reviewing your job, money available for down payment, existing debt, income, and other circumstances. It's quick and basic; and we keep the paperwork to a minimum.
One on one
You can certainly use the calculators available on this website to calculate how much mortgage you'll be able to afford - but it's also important to talk with one of our mortgage professionals. We can walk you through your pre-qualification letter. Next, we can review your loan options and be sure you have selected the best one. We are waiting to hear from you: call us at (904) 342-3622.
Have questions about pre-qualifying? Call us at (904) 342-3622. We answer pre-qualification questions every day.