When to Talk to Your Mortgage Pro
Shopping for a mortgage loan? We can assist you! Give us a call at (904) 342-3622. Want to get started? Apply Here.
It is helpful to visit with a mortgage loan pro early, even if you haven't decided the kind of house you hope to find. What for? It may be hard to fathom the ways we can help even before you begin to calculate your offer.
We Can Help You Pre-Qualify
When we pre-qualify you, we help you determine the amount in monthly mortgage payments you can afford, and how much we of a loan you will qualify for. The process outlines your current financial situation - your debt, income, career, and cash available for down payment, among other things. It is a quick, thorough process with minimal risks for papercuts.
We give you a Pre-Qualification Letter if you qualify, that documents that we are confident you can qualify for a specific amount of mortgage loan dollars.
With your pre-qualification letter, some advantages are yours when you find the house you want to make an offer for. First, you have some general numbers in mind, as the amount you can borrow.
Having pre-qualification can also make your offer look even better to the seller, as if you were bringing them a big box of cash! They need not worry that that they're wasting their time if you do not be able to qualify for a big enough mortgage. The seller of the home won't wonder if he can trust you to qualify for your loan.Your qualifying for your needed mortgage loan amount won't be something for them to be concerned about. You have the clout of a buyer ready to make the purchase on the spot!
We will help you with your pre-qualification
When we pre-qualify you, we help you decide the amount you can afford in monthly payments you can fit in your budget, and the loan amount you will qualify for. We will accomplish this by analyzing your income and debts, your work and residence circumstances, the funds available for a down payment, required reserves, and other financial considerations. We require a minimum amount of paperwork, with a quick process.
One on one
While you are able to benefit from our mortgage calculators on our site, it's a good idea to sit down and talk with one of our mortgage professional team members. We can walk you through your pre-qualification letter. Next, we can study your loan options to make sure you have selected the right one. 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!