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It's important to bring in your mortgage loan professional as soon as possible — even before you've begun researching neighborhoods. Why? What can we do for you if you have not made an offer, and do not yet know the amount you need to borrow?
When we pre-qualify you, we help you decide how much of a monthly payment you can fit in your budget, and the loan amount you can qualify for. The process takes you through your finances - your debts, income, employment, and cash available for down payment, among other things. It's short and to the point; We keep the paperwork light.
Once you qualify, will present to you what's called a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), that says that we are helping you to find the ideal mortgage loan program to meet your needs and that we are confident you will qualify for a mortgage loan for a certain amount.
Power in the Pre-Qual
After you find a house that catches your eye, and you decide to put together an offer, being pre-qualified for a loan will do several things. First of all, you have some concrete numbers in mind, as the amount you will qualify for with your mortgage loan.
Being pre-qualified will also make your offer more attractive to the seller, as if you were bringing them a bag full of cash! They won't need to be concerned they're wasting their time if you will not be able to qualify for a big enough mortgage. The seller won't worry if he can trust you to qualify for your loan.Your qualifying for the necessary loan amount won't cause them concern. They have a virtual guarantee to trust your buying power.
We help with your pre-qualification
We will help you see how much of a mortgage you can afford, and how much money you can borrow, by walking you through pre-qualifying. During this process, we look at your borrowing potential - looking at your job, money available for down payment, debts, income, and other circumstances. It's a short, thorough process with minimal risks for papercuts.
Face to Face
You can always use the calculators available on this website to calculate how much mortgage you'll be able to afford - but it's also essential to meet with us. We can work toward your pre-qualification letter. For another thing, we might be able to locate a different mortgage loan option that fits your needs better. Contact us at (904) 342-3622 to get started.
Have questions about pre-qualifying? Call us at (904) 342-3622. We answer pre-qualification questions every day.