Why it's Important to Pre-Qualify
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Even if you have not so much as researched houses to visit yet, it's important to visit with your mortgage loan professional first. Why? What can we do for you if you haven't negotiated an amount, and don't yet know how much you want to borrow?
We Can Help You Pre-Qualify
We will help you calculate how much of a mortgage you can afford, and how much money you will be able to borrow, by walking you through the pre-qualification process. In this process, we look at your ability to borrow - looking at your earning status, available money for down payment, existing debt, income, and other areas. It's short and to the point; We take pride in keeping the paperwork to a minimum.
We will award you a Pre-Qualification Letter after you qualify, which states that we're confident you can qualify for up to a predetermined amount of mortgage dollars.
Several beneifits open to you when you have found your dream house, and have pre-qualification. First, you have some concrete numbers in mind, as the amount you will be able to borrow.
Having pre-qualification will also make your offer look even better to the seller, like you were bringing them a suitcase of cash! They need not wonder if that they're wasting their time if you don't have the ability to qualify for a big enough mortgage loan. The seller of the home won't be concerned that he won't be able to count on you to qualify for your mortgage in the amount you will need.Your qualifying for your needed loan amount won't be something for them to be concerned about. 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 you find out the loan amount you can qualify for and the monthly mortgage payment amount you are able to afford by helping you pre-qualify. In this process, we explore your borrowing potential - looking at your job, money available for down payment, debts, income, and other circumstances. It's quick and basic; and we take pride in keeping the paperwork to a minimum.
Face to Face
It is important to sit down and meet with us, even though you are welcome to also try the helpful mortgage loan calculator tools on our website. For one thing, you will want a Pre-Qualification Letter! For another thing, we may find a different mortgage loan option that better fits your needs. Let us help you get started: Contact us at 7702202800.
Have questions about pre-qualifying? Call us at 7702202800. Home Pointe Mortgage Company answers pre-qualifying questions every day.