Why it's Important to Pre-Qualify

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It's valuable to consult with your mortgage professional early — even before you've started to consider neighborhoods. Why? Perhaps it is difficult to fathom the ways in which we could help even before you begin to negotiate.

Pre-Qualify

We will help determine how much of a mortgage you can afford, and the amount of money you may be able to borrow, by taking you through pre-qualifying. We can accomplish this by analyzing your debts and income, your employment and residence circumstances, the funds available for down payment, required reserves, and some other things. We will ask for a minimum amount of paperwork, and avoid a lengthy process.

Once you are determined to be eligible, we document our confidence in your potential to qualify for a mortgage loan by awarding you a Pre-Qualification Letter (also called a "pre-qual").

Power in the Pre-Qual

Once you find the house that is ideal for you, and you decide to make an offer, being pre-qualified for a mortgage loan will do several things. The first is that you can know the amount you can afford when putting together the offer. Your pre-qualification will also make your offer look even better to the home seller, as if you were bringing them a bag full of cash! They won't have to be concerned that they have been wasting their time if you will not have the ability to qualify for a big enough mortgage loan. The seller won't wonder if he can trust you to qualify for your loan.Your qualifying for the necessary mortgage loan amount will not cause them concern. They have a virtual guarantee to trust your ability to back up your offer.

We will help you with your pre-qualification

We can help determine how much of a mortgage you can afford, and the amount of money you can borrow, by walking you through pre-qualifying. In the process, we look at your borrowing potential - analyzing your job, available money for down payment, debt, income, and other circumstances. It's a quick, thorough process with minimal risks for papercuts.

One on one

While you are encouraged to benefit from our tools to calculate mortgage variables on our website, it's a good idea to sit down and talk with us. For one thing, you'll need a Pre-Qualification Letter! Next, we can review your loan choices and be sure you are in the best one. 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!