Why it's Important to Pre-Qualify

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It is important to consult your mortgage loan professional as soon as possible — even before you have started narrowing down neighborhoods. Why? What can we do for you before you have made your offer, and don't yet know the amount you need to borrow?

We Can Help You Pre-Qualify

We will help you find out the loan amount you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified. We achieve this by considering your debts and income, your work and housing situations, your funds available for down payment, required reserves, and some other things. It is a short, thorough process with minimal risks for papercuts.

When you qualify, will give you a Pre-Qualification Letter (your real estate agent may refer to it as a "pre-qual"), that states that we are helping you to find the right loan to fit your needs and that we are confident you will qualify for a mortgage loan for a certain amount.

Pre-Qual Power

After you locate a house that meets your needs, and you decide to make an offer, being pre-qualified for a mortgage will do several things. First, it helps you know how much you're able to offer. Of greater importance to the home seller, your pre-qualification is like your having entered their front door with a suitcase full of money ready to purchase the home! They will not need to be concerned they have been wasting their time if you won't be able to have the ability to qualify for a high enough mortgage. The seller of the home won't wonder if he can count on you to qualify for your loan.Your qualifying for the necessary mortgage loan amount won't cause them concern. You have the capability to back up your offer.

We will help you with your pre-qualification

We can help you see how much of a mortgage you can afford, and the amount of money you will be able to borrow, by walking you through the pre-qualification process. In this process, we calculate your ability to borrow - analyzing your earning status, available money for down payment, debts, income, and other circumstances. It is a short, thorough process with minimal risks for papercuts.

Face to Face

While you are able to benefit from our mortgage calculators on this website, it's a good idea to sit down and talk with us. That way, we will help you get your pre-qualification letter. For another thing, we might find a different mortgage option that better fits your needs. Contact us at 9722039033 to get started.

Have questions about pre-qualifying? Call us at 9722039033. Not Your Average Lender answers pre-qualifying questions every day.