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It is important to see a mortgage professional first, even if you haven't decided the sort of house you hope to find. What for? When you do not yet know how much home you want to qualify for, how could we help?
We Will Help You Pre-Qualify
Our mortgage professionals will help you find out how much of a loan you can qualify for and the monthly mortgage payment amount you are able to afford by helping you pre-qualify. We do this by reviewing your income and debts, your work and residence circumstances, your available funds for down payment, required reserves, and other considerations. We require a minimum amount of paperwork, with a quick process.
We give you a Pre-Qualification Letter when you qualify, that documents that we're confident you'll qualify for a specific amount of mortgage loan dollars.
After you locate the house that is right for you, and you decide to make an offer, being pre-qualified for a mortgage will do several things. First of all, you have some general numbers in mind, as the amount you will be able to borrow.
Of greater importance to the current home owner, your pre-qualification is like your having entered their front door with a suitcase full of cash to make the deal! They need not be concerned they are wasting their time if you don't be able to qualify for a big enough mortgage loan. The seller won't be concerned that he won't be able to trust you to qualify for your loan.Your qualifying for the necessary mortgage loan amount won't be something for them to worry about. You can have the clout of a buyer ready to make the purchase on the spot!
We will help you with your pre-qualification
When we pre-qualify you, we help you determine the amount you can afford in mortgage payments you can afford, and the size of loan you will qualify for. We do this by considering your income and debts, your employment and housing situations, your available funds for a down payment, required reserves, and some other things. It's short and basic; and we keep the paperwork to a minimum.
One on one
It is vital to sit down and meet with us, even though you are welcome to also try the helpful mortgage loan calculator tools on our website. We can walk you through your pre-qualification letter. Next, we can review your mortgage choices and make sure you are in the right one. Contact us at (707) 252-2700 to get started.
Have questions about pre-qualifying? Call us at (707) 252-2700. Custom Lending Group answers pre-qualifying questions every day.