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It is valuable to consult with your mortgage professional as soon as possible — even before you've begun researching neighborhoods. What for? What can we do for you before you have made an offer, and don't know yet how much you need to borrow?
When we pre-qualify you, we help you find out the amount in mortgage payments you can fit in your budget, and the size of loan you can qualify for. We can do this by considering your income and debts, your employment and residence circumstances, your available funds for a down payment, required reserves, and other considerations. It's a quick, thorough process with minimal risks for papercuts.
We'll give you a Pre-Qualification Letter when you qualify, which states that we're confident you can qualify for up to a certain amount of mortgage dollars.
Power in the Pre-Qual
Some beneifits open to you once you have found your dream house, and have achieved pre-qualification. First of all, you have some definite numbers in mind, as the amount you will qualify for on your mortgage loan.
Even more important to the existing owner, your pre-qualification status gives them confidence - as if you had come to their house with a bag of cash to make the offer! They will not need to be concerned they have been wasting their time if you don't be able to qualify for a big enough mortgage loan. The seller won't be concerned that he can't trust you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary loan amount will not cause them concern. You have the ability to back your offer up.
We will help you pre-qualify
We will help you find out the loan amount you can qualify for and the monthly payment amount you are able to afford by helping you pre-qualify. During this process, we look at your capacity to borrow - analyzing your earning status, money available for down payment, debt, income, and other circumstances. It is a short, thorough process with minimal risks for papercuts.
One on one
You can certainly use the calculators on this site to calculate the size mortgage you'll be able to afford - but it's also essential to meet with us. We can walk you through your pre-qualification letter. Then, we'll make sure we have the best mortgage loan program for you. Let us help you get started: Call us at (904) 342-3622.
Have questions about pre-qualifying? Call us at (904) 342-3622. We answer pre-qualification questions every day.