When to Speak to a Mortgage Professional

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Even if you have not narrowed down houses to visit yet, it's important to contact your mortgage pro first. Why? If you don't know yet how much home you want to qualify for, how could we help?

Pre-Qualify

We can help you see how much of a mortgage you can afford, and the amount of money you may be able to borrow, by walking you through the pre-qualification process. The process leads you through your current financial situation - your debts, income, job, and down payment money, among other things. We ask for a minimum amount of paperwork, with a quick process.

At the point you are determined to be eligible, we will prove our confidence in your ability to qualify for a loan by giving you a Pre-Qualification Letter (also known as a "pre-qual").

Power in the Pre-Qual

Several advantages open to you after you find your new house, and have pre-qualification. First of all, you have some general numbers in mind, as the total you will qualify for on your loan. Even more important to the seller of the house, your pre-qualification gives them certainty - as if you'd arrived at their house with a big box of cash to make the offer! They need not wonder if they're wasting their time if you don't be able to qualify for a high enough mortgage loan. The seller of the home won't be concerned that he won't be able to trust you to qualify for your loan.Your qualifying for the necessary loan amount will not cause them concern. You have the ability to back your offer up.

We help with your pre-qualification

When we pre-qualify you, we help you find out the amount you can afford in monthly payments you can afford, and the loan amount you can qualify for. The process walks you through your current financial situation - your debts, income, career, down payment money, among other things. We will ask for a minimum amount of paperwork, and avoid a lengthy process.

One-on-One

It's important for you to sit down and talk with us, even though you are welcome to also use the helpful mortgage loan calculator tools on our website. For one thing, you'll want a Pre-Qualification Letter! Next, we can study your mortgage loan choices and be sure you are in the right one. Contact us at 7702202800 to get started.

Have questions about pre-qualifying? Call us at 7702202800. It's our job to answer pre-qualification questions, so we're happy to help!