When to Speak to a Mortgage Pro

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Even if you have not researched houses to view yet, it's important to contact your mortgage loan professional first. What for? How can we help you before you have made an offer, and don't know yet the amount you need to borrow?

Pre-Qualify

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 getting you pre-qualified. We do this by analyzing your income and debts, your work and residence situations, the available funds for down payment, required reserves, and other considerations. It's short and basic; We take pride in keeping the paperwork light.

After you are determined to be eligible, we will prove our confidence in your capacity to qualify for a mortgage loan by presenting you with a Pre-Qualification Letter (also called a "pre-qual").

Power in the Pre-Qual

When you locate the house that meets your needs, and you want to make an offer, being pre-qualified for a loan will do several things. The first is that you will be sure the amount you'll be able to afford when determining your offer. Even more important to the current owner, your pre-qualification status gives them confidence - as if you had come to their house with a suitcase of cash to make the offer! They won't need to worry that that they're wasting their time if you will not have the ability to qualify for a big enough mortgage loan. The seller won't be concerned that he can't trust you to qualify for your loan.Your qualifying for your needed 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 pre-qualify

We will help you see how much of a mortgage loan you can afford, and how much money you can borrow, by taking you through pre-qualifying. We can do this by analyzing your income and debts, your employment and housing situations, your funds available for a down payment, required reserves, and other considerations. We as for a minimum amount of paperwork, and avoid a lengthy process.

Face to Face

While you can use our tools to calculate mortgage variables on this site, it is a good idea to sit down and talk with one of our mortgage professional team members. We can walk you through your pre-qualification letter. Then, we can make sure we have selected the best mortgage loan program for you. We are eager to hear from you: contact us at 7702202800.

Have questions about pre-qualifying? Call us at 7702202800. Home Pointe Mortgage Company answers pre-qualifying questions every day.