The Importance of Pre-Qualification

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Even if you haven't so much as picked out homes to view yet, it's advantageous to visit with your mortgage pro first. Why? If you don't know yet how much home you need to qualify for, what can we help you with?

Pre-Qualify

We can help you find out how much of a loan you can qualify for and the monthly mortgage payment amount you are able to afford by helping you pre-qualify. During the process, we look at your capacity to borrow - looking at your employment, money available for down payment, existing debt, income, and other circumstances. It's quick and to the point; We take pride in keeping the paperwork to a minimum.

Once you qualify, will give you a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), which documents the fact that we are working with you to find the best mortgage to meet your needs and that we're confident you'll qualify for a mortgage loan for up to a specific amount.

Power in the Pre-Qual

Holding your pre-qualification letter, several advantages fall at your feet once you locate the home you want to put together an offer for. First of all, you have some definite numbers in mind, as the total you will qualify for on your mortgage. Even more important to the current owner, your pre-qualification gives them confidence - as if you'd entered their home with a big box of cash to back up the offer! They need not worry that they have been wasting their time if you won't be able to have the ability to qualify for a big enough mortgage. The seller won't be concerned that he won't be able to count on you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary mortgage loan amount won't 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 will help determine how much of a mortgage you can afford, and how much money you can borrow, by walking you through pre-qualifying. During the process, we look at your borrowing potential - analyzing your job, available money for down payment, debts, income, and other circumstances. It is a quick, thorough process with minimal risks for papercuts.

Face to Face

While you can try our mortgage calculators on our website, it will be a good idea to sit down and talk with us. That way, we'll help you get your pre-qualification letter. Then, we'll make sure we have selected the right mortgage program for you. We're waiting to meet with you: call us at 8433007558.

Have questions about pre-qualifying? Call us at 8433007558. We answer pre-qualification questions every day.