The Importance of Pre-Qualifying
Are you looking for a new mortgage loan? We will be glad to help! Call us at (707) 252-2700. Want to get started? Apply Here.
Even if you have not picked out homes to visit yet, it's important to see your mortgage pro first. What for? It may be hard to understand how we could help even before you start to negotiate.
Our mortgage professionals will help you calculate how much of a loan you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. During the process, we explore your ability to borrow - looking at your employment, money available for down payment, existing debt, income, and other areas. It's quick and to the point; We keep the paperwork to a minimum.
We will give you a Pre-Qualification Letter if you qualify, which states that we're confident you'll qualify for a predetermined amount of mortgage dollars.
Various advantages open to you after you have found your next house, and have pre-qualification. First, it lets you know the amount that you're able to offer.
Being pre-qualified can also make your offer more attractive to the seller, like you were bringing them a bag full of cash! They will not need to be concerned they're wasting their time if you don't have the ability to qualify for a big enough mortgage. The seller won't be concerned that he can't count on you to qualify for your loan.Your qualifying for your needed loan amount won't be something for them to be concerned about. They have a virtual guarantee that they can trust your ability to back up your offer.
We help with your pre-qualification
We can help determine how much of a mortgage loan you can afford, and the amount of money you can borrow, by taking you through the pre-qualification process. This process outlines your current financial situation - your debts, income, job, cash available for down payment, among other things. It's a quick, thorough process with minimal risks for papercuts.
While you can benefit from our tools to calculate mortgage variables on our site, it's a good idea to meet with us. We can work toward your pre-qualification letter. Then, we will make sure we have found the right mortgage program for your situation. Contact us at (707) 252-2700 to get your pre-qualification process started.
Have questions about pre-qualifying? Call us at (707) 252-2700. We answer pre-qualification questions every day.