Why Pre-Qualify?

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Even if you have not so much as researched homes to view yet, it can be advantageous to see your mortgage loan professional early. What for? Maybe it's difficult to fathom how we can help even before you start to negotiate.

Pre-Qualify

When we pre-qualify you, we help you figure out how much of a monthly payment you can afford, and the loan amount you can qualify for. This process outlines your current financial situation - your debts, income, employment, and down payment money, among other things. We will ask for a minimum amount of paperwork, with a short,basic process.

At the point you are determined to be eligible, we prove our confidence in your potential to qualify for a loan by presenting you with a Pre-Qualification Letter (also known as a "pre-qual").

Power in the Pre-Qual

After you locate a house that meets your needs, and you want to put together an offer, being pre-qualified for a loan will do a number of things. First, it lets you know the amount that you are able to offer. More important to the current home owner, your being pre-qualified is like your having walked into their house with a suitcase full of money to purchase the house! They will not need to wonder if they're wasting their time if you do not have the ability to qualify for a big enough mortgage. The seller won't worry if he can count on you to qualify for your loan.Your qualifying for your needed mortgage loan amount won't cause them concern. You can have the clout of a buyer ready to make the purchase on the spot!

We help with your pre-qualification

Our mortgage professionals will help you determine the loan amount you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. We will achieve this by analyzing your debts and income, your employment and residence situations, your available funds for a down payment, required reserves, and other financial considerations. It is a short, thorough process with minimal risks for papercuts.

One-on-One

While you can use our tools to calculate mortgage variables on this site, it's a good idea to meet with one of our mortgage professional team members. For one thing, you will want a Pre-Qualification Letter! Next, we can study your mortgage options and be sure you are in the right one. Contact us at 9043423622 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at 9043423622. Bright Vision Mortgage answers pre-qualifying questions every day.