Why Pre-Qualification is Important

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Even if you haven't picked out houses to view yet, it can be important to contact your mortgage professional first. Why? When you do not know yet how much home you need to qualify for, how could we help?

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 getting you pre-qualified. In the process, we determine your capacity to borrow - looking at your earning status, money available for down payment, debt, income, and other areas. We require a minimum amount of paperwork, and avoid a lengthy process.

Once you qualify, will present to you what's called a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), which documents the fact that we are working with you to find the right loan program to meet your needs and that we're confident you will qualify for a loan for up to a certain amount.

Pre-Qual Power

With your pre-qualification letter, some advantages are yours when you find the house you want to make an offer on. The first is that you can be sure the amount you'll be able to afford when calculating the offer. More important to the current home owner, your being pre-qualified is like your having walked into their front door with a suitcase full of cash ready to purchase their house! They need not be concerned that they're wasting their time if you won't be able to have the ability to qualify for a high enough mortgage loan. The seller of the home won't wonder if he can count on you to qualify for your mortgage in the amount you will need.Your qualifying for your needed loan amount will not cause them concern. You have the influence of a buyer ready to make the purchase right now!

We can help you pre-qualify

We will help you calculate how much of a mortgage loan you can afford, and the amount of money you can borrow, by taking you through the pre-qualification process. We will achieve this by considering your income and debts, your work and residence situations, your funds available for a down payment, required reserves, and some other things. It's quick and basic; and we take pride in keeping the paperwork light.

One-on-One

It is important to sit down and talk with us, even though you are free to also utilize the helpful mortgage loan calculators on our website. That way, we will be able to help you get your pre-qualification letter. For another thing, we could be able to locate a different mortgage option that fits your situation better. Contact us at (904) 342-3622 to get your pre-qualification process started.

Have questions about pre-qualifying? Call us at (904) 342-3622. It's our job to answer pre-qualification questions, so we're happy to help!

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2800 North Fifth Street Suite 301B
St. Augustine, FL 32084