Why it's Important to Pre-Qualify
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It's valuable to bring in your mortgage loan professional as soon as possible — even before you've begun researching neighborhoods. What for? If you do not know yet how much home you want to qualify for, what can we help you with?
We Will Help You Pre-Qualify
We can help you see how much of a mortgage loan you can afford, and how much money you will be able to borrow, by taking you through pre-qualifying. We can accomplish this by considering your income and debts, your work and housing circumstances, the available funds for a down payment, required reserves, and some other things. We will require a minimum amount of paperwork, and avoid a lengthy process.
After you qualify, will present to you a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), that documents the fact that we are helping you to find the best mortgage loan program to meet your financial needs and that we're confident you will qualify for a mortgage loan for a specific amount.
Once you locate the house that is best for you, and you decide to make an offer, being pre-qualified for a loan will do a number of things. First, you have some concrete numbers in mind, as the total you will be able to borrow.
More important to the seller, your being pre-qualified is like your having entered their front door with a suitcase full of money to make the deal! They will not need to worry that that they have been wasting their time if you won't be able to be able to qualify for a high enough mortgage. The seller won't worry if he can trust you to qualify for your loan.Your qualifying for your needed loan amount won't be something for them to lose sleep over. You have the capability to back up your offer.
We will help you with your pre-qualification
We will help you calculate 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. This process outlines your finances - your debts, income, employment, cash available for down payment, among other things. It's a quick, thorough process with minimal risks for papercuts.
Face to Face
While you are encouraged to use our mortgage calculators on our site, it is essential to meet with one of our mortgage professional team members. We can walk you through your pre-qualification letter. Next, we can consider your mortgage loan options and make sure you have chosen the best one. Let us get you started: Call us at (707) 252-2700.
Have questions about pre-qualifying? Call us at (707) 252-2700. It's our job to answer pre-qualification questions, so we're happy to help!