Why Pre-Qualification is Important

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It can be important to see a mortgage loan pro early, even if you haven't settled on what type of home to look for. Why? If you do not yet know how much home you need to qualify for, how could we help?

Pre-Qualify

We will help you see how much of a mortgage loan you can afford, and the amount of money you may be able to borrow, by taking you through pre-qualifying. We can do this by considering your debts and income, your work and residence situations, the available funds for a down payment, required reserves, and some other things. We will require a minimum amount of paperwork, with a short,basic process.

Once you are determined to be eligible, we prove our confidence in your ability to qualify for a loan by presenting you with a Pre-Qualification Letter (also called a "pre-qual").

Buying Clout

Several beneifits open to you once you have found your new house, and have pre-qualification. The first is that you can know the amount you'll be able to afford when calculating the offer. Having pre-qualification also will make your offer look even better to the seller, like you were bringing them a suitcase full of cash! They won't need to worry that that they're wasting their time if you will not be able to qualify for a big enough mortgage loan. The seller of the home won't be concerned that he won't be able to trust you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed mortgage loan amount will not be something for them to be concerned about. You have the influence of a buyer ready to make the deal right now!

We help with your pre-qualification

Our mortgage professionals can help you calculate the loan amount you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified. We achieve this by analyzing your income and debts, your work and housing circumstances, the available funds for a down payment, required reserves, and other considerations. It's a short, thorough process with minimal risks for papercuts.

Face to Face

It's vital to sit down and talk with us, even though you are free to also utilize the helpful mortgage loan calculator tools on our site. We can walk you through your pre-qualification letter. For another thing, we might locate a different mortgage loan option that fits your goals better. We are eager to hear from you: contact us at 9043423622.

Have questions about pre-qualifying? Call us at 9043423622. We answer pre-qualification questions every day.