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It is valuable to consult your mortgage loan professional early — even before you've started narrowing down neighborhoods. What for? How can we help you before you have negotiated a price, and don't know yet how much you need to borrow?
We can help you determine how much of a loan you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. We accomplish this by analyzing your income and debts, your employment and housing circumstances, your available funds for a down payment, required reserves, and other financial considerations. It's a quick, thorough process with minimal risks for papercuts.
After you qualify, we give you a Pre-Qualification Letter (your real estate agent may refer to it as a "pre-qual"), which documents the fact that we are partnering with you to find the ideal mortgage loan program to meet your needs and that we are confident you'll qualify for a mortgage for a specific amount.
Power in the Pre-Qual
When you locate a house that catches your eye, and you decide to put together an offer, being pre-qualified for a loan will do a number of things. First of all, you have some definite numbers in mind, as the total you will qualify for with your mortgage.
Being pre-qualified also will make your offer more attractive to the home seller, like you were bringing them a suitcase full of cash! They won't need to wonder if they are wasting their time if you don't have the ability to qualify for a high enough mortgage. The seller won't wonder if he can count on you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary loan amount will not cause them concern. They have a virtual guarantee that they can trust your ability to back up your offer.
We will help you with your pre-qualification
Our mortgage professionals will help you calculate the loan amount you can qualify for and the monthly payment amount you can afford by getting you pre-qualified. During the process, we explore your borrowing potential - looking at your earning status, money available for down payment, existing debt, income, and other circumstances. It's a short, thorough process with minimal risks for papercuts.
Face to Face
It's important for you to sit down and talk with us, even though you are free to also try the helpful mortgage loan calculator tools on this site. That way, we'll help you get your pre-qualification letter. Next, we can review your loan options and be sure you are in the best one. Let us get you started: Call us at (904) 342-3622.
Have questions about pre-qualifying? Call us at (904) 342-3622. We answer pre-qualification questions every day.