When to Talk to a Mortgage Professional About Pre-Qualification

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It can be valuable to visit with a mortgage professional first, even before you have decided what type of home you hope to find. Why? It might be difficult to understand the ways we could help even before you begin to negotiate.

We Will Help You Pre-Qualify

We can help you calculate how much of a mortgage loan you can afford, and the amount of money you will be able to borrow, by walking you through pre-qualifying. The process outlines your current financial situation - your debt, income, job, and down payment money, among other things. It's quick and to the point; We take pride in keeping the paperwork light.

We'll award you a Pre-Qualification Letter if you qualify, which says that we're confident you'll qualify for up to a predetermined amount of mortgage loan dollars.

Pre-Qualification Power

After you locate the house that meets your needs, and you want to make an offer, being pre-qualified for a loan will do a number of things. The first is that you can know the amount you'll be able to afford when determining your offer. Even more important to the seller, your pre-qualification gives them confidence - as if you'd entered their home with a big box of cash to make the offer! They need not worry that they have been wasting their time if you will not be able to qualify for a big enough mortgage. The seller of the home won't be concerned that he can't trust you to qualify for your loan.Your qualifying for your needed loan amount will not cause them concern. They have a virtual guarantee that they can trust your ability to back up your offer.

We will help you pre-qualify

Our mortgage professionals will help you calculate the loan amount you can qualify for and the monthly mortgage payment amount you are able to afford by helping you pre-qualify. This process walks you through your financial situation - your debt, income, employment, cash available for down payment, among other things. It's short and to the point; and we keep the paperwork to a minimum.

Face to Face

It is important to sit down and talk with us, even though you are welcome to also try the helpful mortgage loan calculator tools on this site. For one thing, you'll want a Pre-Qualification Letter! Next, we can review your loan choices to make sure you are in the best one. We are waiting to meet with you: call us at 3217777277.

Have questions about pre-qualifying? Call us at 3217777277. It's our job to answer pre-qualification questions, so we're happy to help!