When to Speak to a Mortgage Pro
Searching for a mortgage loan? We'll be glad to talk about your mortgage needs! Call us at (904) 342-3622. Want to get started? Apply Online Now.
It is important to bring in your mortgage loan professional early — even before you have started to consider neighborhoods. What for? What can we do for you before you have negotiated a purchase amount, and don't know yet the amount you want to borrow?
Our mortgage professionals can help you calculate how much of a loan you can qualify for and the monthly mortgage payment amount you are able to afford by getting you pre-qualified. We can do this by considering your debts and income, your work and housing situations, the available funds for down payment, required reserves, and other financial considerations. It's quick and to the point; We keep the paperwork to a minimum.
After you are considered eligible, we will prove our confidence in your capacity to qualify for a mortgage loan by presenting you with a Pre-Qualification Letter (also known as a "pre-qual").
When you locate the house that is right for you, and you decide to make an offer, being pre-qualified for a loan will do a number of things. The first is that you can be sure the amount you'll be able to afford when determining your offer.
Of greater importance to the current home owner, your being pre-qualified is like your having walked into their house with a bag full of cash ready to make the deal! They won't have to be concerned 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 count on you to qualify for your loan.Your qualifying for the necessary loan amount won't be something for them to lose sleep over. You have the capability to back your offer up.
We will help you pre-qualify
We will help determine how much of a mortgage you can afford, and how much money you may be able to borrow, by taking you through pre-qualifying. The process outlines your current financial situation - your debt, income, career, cash available for down payment, among other things. It's a quick, thorough process with minimal risks for papercuts.
While you are able to benefit from our mortgage calculators on our website, it's a good idea to meet with us. That way, we'll help you get your pre-qualification letter. Then, we will make sure we have selected the right mortgage program for you. We are eager to meet with you: call us at (904) 342-3622.
Have questions about pre-qualifying? Call us at (904) 342-3622. Bright Vision Mortgage answers pre-qualifying questions every day.