Why Pre-Qualification is Important
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It's important to consult with your mortgage professional early — even before you've begun narrowing down neighborhoods. What for? When you do not know yet how much house you need to qualify for, how can we help?
We Can Help You Pre-Qualify
We will help you calculate how much of a mortgage you can afford, and the amount of money you can borrow, by taking you through the pre-qualification process. During the process, we explore your capacity to borrow - reviewing your job, money available for down payment, existing debt, income, and other circumstances. We will ask for a minimum amount of paperwork, with a short,basic process.
We'll award you a Pre-Qualification Letter once you qualify, which states that we are confident you will qualify for up to a predetermined amount of mortgage dollars.
Some beneifits open to you after you've found your new house, and have pre-qualification. First, it lets you know how much you are able to offer.
More important to the seller, your pre-qualification is like your having entered their house with a suitcase full of money ready to make the deal! They will not have to wonder if they are wasting their time if you will not have the ability to qualify for a big enough mortgage. The seller won't wonder if he can count on you to qualify for your loan.Your qualifying for the necessary loan amount won't cause them concern. They have a virtual guarantee that they can trust your buying power.
We will help you with your pre-qualification
We will help you calculate how much of a loan you can qualify for and the monthly payment amount you can afford by getting you pre-qualified. We accomplish this by analyzing your debts and income, your employment and housing circumstances, the available funds for down payment, required reserves, and other considerations. It's quick and basic; and we keep the paperwork light.
Face to Face
It is vital for you to sit down and meet with us, even though you are welcome to also utilize the helpful mortgage calculator tools on this website. For one thing, you'll need a Pre-Qualification Letter! Next, we can review your loan options to be sure you are in the right one. Let us get you started: Contact us at 954.920.9799.
Have questions about pre-qualifying? Call us at 954.920.9799. We answer pre-qualification questions every day.