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It is valuable to see a mortgage professional early, even before you have decided what type of house to search for. What for? If you do not know yet how much home you want to qualify for, what can we do for you?
We Can Help You Pre-Qualify
When we pre-qualify you, we help you decide the amount in mortgage payments you can afford, and the size of loan you will qualify for. We will do this by analyzing your debts and income, your work and residence circumstances, the funds available for a down payment, required reserves, and other financial considerations. It's a quick, thorough process with minimal risks for papercuts.
We'll give you a Pre-Qualification Letter after you qualify, that says that we are confident you can qualify for up to a certain amount of mortgage dollars.
Power in the Pre-Qual
When you locate the house that is ideal for you, and you decide to make an offer, being pre-qualified for a mortgage loan will do a couple of things. First, it lets you know how much you're able to offer.
Even more important to the seller of the house, your pre-qualification letter gives them confidence - as if you'd arrived at their house with a suitcase of cash to make the offer! They need not be concerned that they're wasting their time if you will not have the ability to qualify for a high enough mortgage. The seller won't be concerned that he won't be able to count on you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary mortgage loan amount will not be something for them to be concerned about. They have a virtual guarantee to trust your ability to back up your offer.
We help with your pre-qualification
When we pre-qualify you, we help you find out the amount you can afford in mortgage payments you can fit in your budget, and the size of loan you can qualify for. We will accomplish this by considering your debts and income, your work and housing situations, the available funds for down payment, required reserves, and other financial considerations. We as for a minimum amount of paperwork, and avoid a lengthy process.
One on one
It's vital to sit down and meet with us, even though you are welcome to also try the helpful mortgage calculators on our site. That way, we'll help you get your pre-qualification letter. Then, we'll make sure we have the ideal mortgage program for you. We are waiting to meet with you: contact 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.