When to Talk to a Mortgage Pro About Pre-Qualification

Shopping for a mortgage loan? We'd be thrilled to talk about your mortgage needs! Give us a call today at 7072522700. Ready to begin? Apply Now.

It is important to bring in your mortgage loan professional early — even before you have started researching neighborhoods. What for? It may be hard to understand the way we can help even before you begin to talk about prices and negotiations.

We Can Help You Pre-Qualify

When we pre-qualify you, we help you determine the amount in monthly mortgage payments you can fit in your budget, and the loan amount you will qualify for. The process outlines your financial situation - your debt, income, job, and down payment money, among other things. We require a minimum amount of paperwork, with a quick process.

At the point you are determined to be eligible, we prove our confidence in your capacity to qualify for a loan by presenting you with a Pre-Qualification Letter (also called a "pre-qual").

Pre-Qual Power

When you find the house that catches your eye, and you want to put together an offer, being pre-qualified for a mortgage will do several things. The first is that you can be sure what you can afford when putting together your offer. Even more important to the seller of the house, your pre-qualification status gives them confidence - as if you'd come into their house with a bag of cash to back up the offer! They need not be concerned they are wasting their time if you do not have the ability to qualify for a big enough mortgage. The seller won't be concerned that he can't trust you to qualify for your loan.Your qualifying for your needed loan amount won't cause them concern. You have the capability to back up your offer.

We can help you pre-qualify

We will help determine how much of a mortgage you can afford, and the amount of money you can borrow, by walking you through pre-qualifying. We can accomplish this by analyzing your debts and income, your employment and housing situations, your available funds for a down payment, required reserves, and other financial considerations. It's quick and to the point; and we take pride in keeping the paperwork light.

One on one

While you can benefit from our tools to calculate mortgage variables on this website, it's essential to meet with us. We can work toward your pre-qualification letter. Then, we can make sure we have the right mortgage loan program for your situation. We're eager to hear from you: contact us at 7072522700.

Have questions about pre-qualifying? Call us at 7072522700. It's our job to answer pre-qualification questions, so we're happy to help!

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