When to Speak to Your Mortgage Pro
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It's helpful to see a mortgage professional early, even before you have decided what sort of house you hope to find. Why? How can we help you before you have negotiated an amount, and don't know yet how much you want to borrow?
We Can Help You Pre-Qualify
We will help you see how much of a mortgage you can afford, and how much money you can borrow, by walking you through the pre-qualification process. In this process, we calculate your borrowing power - looking at your earning status, money available for down payment, debts, income, and other areas. We will ask for a minimum amount of paperwork, and avoid a lengthy process.
We'll award you a Pre-Qualification Letter once you qualify, that says that we are confident you will qualify for a predetermined amount of mortgage dollars.
Power in the Pre-Qual
Some advantages open to you after you have found your dream house, and have pre-qualification. First of all, you have some definite numbers in mind, as the amount you can borrow.
Having pre-qualification also will make your offer look even better to the home seller, as if you were bringing them a big box of cash! They need not worry that they're wasting their time if you don't have the ability to qualify for a big enough mortgage. The seller of the home won't be concerned that he can't count on you to qualify for your loan.Your qualifying for your needed mortgage loan amount will not be something for them to worry about. You have the capability to back up your offer.
We will help you pre-qualify
When we pre-qualify you, we help you decide how much of a monthly payment you can fit in your budget, and the size of loan you can qualify for. The process outlines your finances - your debts, income, job, cash available for down payment, among other things. It's short and to the point; and we take pride in keeping the paperwork to a minimum.
While you are encouraged to use our mortgage calculators on our website, it will be a good idea to sit down and talk with us. That way, we can help you get your pre-qualification letter. For another thing, we might locate a different mortgage program that is a better fit for you. Let us help you get started: Call us at 954.920.9799.
Have questions about pre-qualifying? Call us at 954.920.9799. We answer pre-qualification questions every day.