The Importance of Pre-Qualifying

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It's important to bring in your mortgage professional early — even before you've started to research neighborhoods. What for? It might be hard to understand the way we can help even before you start to negotiate.

Pre-Qualify

We will help you see how much of a mortgage loan you can afford, and how much money you may be able to borrow, by walking you through pre-qualifying. We achieve this by reviewing your debts and income, your employment and housing situations, the available funds for down payment, required reserves, and other financial considerations. It's short and to the point; We keep the paperwork to a minimum.

We will award you a Pre-Qualification Letter after you qualify, that says that we're confident you can qualify for up to a specific amount of mortgage loan dollars.

Buying Clout

Once you find the house that is right for you, and you want to put together an offer, being pre-qualified for a mortgage loan will do a couple of things. The first is that you'll be sure what you will be able to afford when putting together your offer. Having pre-qualification also will make your offer more attractive to the home seller, like you were bringing them a suitcase full of cash! They will not need to worry that they're wasting their time if you don't be able to qualify for a big enough mortgage loan. The seller of the home won't worry if he can count on you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary mortgage loan amount will not cause them concern. You can have the influence of a buyer ready to make the deal on the spot!

We help with your pre-qualification

Our mortgage professionals can help you calculate the loan amount you can qualify for and the monthly payment amount you can afford by getting you pre-qualified. The process outlines your financial situation - your debt, income, job, cash available for down payment, among other things. It is a short, thorough process with minimal risks for papercuts.

One on one

You can always use the mortgage calculators here on this site to get an idea of how much mortgage you can afford - but it's also important to meet with one of our mortgage professionals. For one thing, you'll want a Pre-Qualification Letter! For another thing, we might find a different mortgage option that is a better fit for you. Contact us at 9722039033 to get started.

Have questions about pre-qualifying? Call us at 9722039033. It's our job to answer pre-qualification questions, so we're happy to help!