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It's helpful to consult with your mortgage loan professional as soon as possible — even before you have started to research neighborhoods. What for? When you don't know yet how much home you need to qualify for, how could we help?
We Will Help You Pre-Qualify
We will help you calculate how much of a loan you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. This process outlines your finances - your debt, income, employment, and cash available for down payment, among other things. It's short and to the point; We take pride in keeping the paperwork to a minimum.
When you are considered eligible, we will prove our confidence in your ability to qualify for a mortgage loan by presenting you with a Pre-Qualification Letter (also known as a "pre-qual").
Once you locate the house that is ideal for you, and you decide to put together an offer, being pre-qualified for a loan will do a couple of things. The first is that you'll know what you'll be able to afford when determining the offer.
Of greater importance to the existing home owner, your being pre-qualified is like your having walked into their front door with a bag full of cash ready to purchase their home! They need not wonder if they're wasting their time if you will not have the ability to qualify for a high enough mortgage. The seller of the home won't be concerned that he won't be able to trust you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed loan amount won't cause them concern. They have a virtual guarantee to trust your buying power.
We help with your pre-qualification
We can help determine how much of a mortgage loan you can afford, and how much money you will be able to borrow, by taking you through the pre-qualification process. This process leads you through your current financial situation - your debts, income, employment, down payment money, among other things. We will require a minimum amount of paperwork, and avoid a lengthy process.
One on one
While you can use our tools to calculate mortgage variables on our website, it is a good idea to meet with us. For one thing, you will want a Pre-Qualification Letter! Then, we can make sure we have the ideal mortgage program for your situation. We are waiting to hear from you: contact us at (321) 777-7277. We don't underwrite in our office but we can get you pre-approved through Conventional, FHA or VA!
Have questions about pre-qualifying? Call us at (321) 777-7277. It's our job to answer pre-qualification questions, so we're happy to help!