Why Pre-Qualification is Important

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Even if you haven't so much as narrowed down homes to view yet, it's important to contact your mortgage pro early. Why? It may be hard to fathom the way we can help even before you start to talk about prices and negotiations.

We Can Help You Pre-Qualify

We can help determine how much of a mortgage loan you can afford, and how much money you can borrow, by walking you through the pre-qualification process. We will achieve this by considering your income and debts, your work and residence situations, the funds available for a down payment, required reserves, and some other things. It is a quick, thorough process with minimal risks for papercuts.

At the point you are considered eligible, we will prove our confidence in your potential to qualify for a mortgage loan by awarding you a Pre-Qualification Letter (also called a "pre-qual").

Power in the Pre-Qual

After you locate the house that is right for you, and you want to put together an offer, being pre-qualified for a mortgage loan will do several things. First of all, you have some general numbers in mind, as the amount you will be able to borrow. Even more important to the present owner, your pre-qualification letter gives them confidence - as if you had entered their home with a big box of cash to make the offer! They won't need to be concerned that they are wasting their time if you do not be able to qualify for a big enough mortgage. The seller won't wonder if he can count on you to qualify for your loan.Your qualifying for your needed mortgage loan amount will not cause them concern. They have a virtual guarantee to trust your ability to back up your offer.

We can help you pre-qualify

When we pre-qualify you, we help you decide how much of a monthly mortgage payment you can afford, and the loan amount you can qualify for. The process outlines your current financial situation - your debts, income, career, cash available for down payment, among other things. We as for a minimum amount of paperwork, with a short, basic process.

Face to Face

It is vital to sit down and meet with us, even though you are free to also utilize the helpful mortgage loan calculators on our site. We can begin working on your pre-qualification letter. Then, we will make sure we have the right mortgage program for you. We're waiting to hear from you: contact us at 9043423622.

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

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159 Hampton Point Drive Suite 4
St. Augustine, FL 32092