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It's valuable to bring in your mortgage loan professional early — even before you have started to research neighborhoods. What for? If you do not yet know how much home you need to qualify for, how can we help?
We Can Help You Pre-Qualify
We will help you determine how much of a loan you can qualify for and the monthly mortgage payment amount you are able to afford by getting you pre-qualified. The process outlines your current financial situation - your debt, income, job, and cash available for down payment, among other things. It is a short, thorough process with minimal risks for papercuts.
When you qualify, we present to you a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), that documents the fact that we are helping you to find the right mortgage loan to fit your situation and that we're confident you will qualify for a mortgage for up to a certain amount.
A number of advantages open to you when you find your dream house, and have achieved pre-qualification. The first is that you'll be sure what you'll be able to afford when determining your offer.
Of greater importance to the seller, your being pre-qualified is like your having entered their house with a suitcase full of cash ready to make the deal! They won't need to worry that they have been wasting their time if you will not have the ability to qualify for a big enough mortgage. The seller of the home won't wonder if he can count on you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed mortgage loan amount will not be something for them to be concerned about. They have a virtual guarantee to trust your ability to back up your offer.
We can help you pre-qualify
When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can fit in your budget, and the size of loan you can qualify for. This process outlines your finances - your debts, income, job, cash available for down payment, among other things. We as for a minimum amount of paperwork, with a quick process.
One on one
You can always use the calculators available on our site to calculate the size mortgage you will be able to afford - but it's also essential to talk with us. We can begin getting your pre-qualification letter. For another thing, we might be able to find a different mortgage option that is a better fit for you. Contact us at 954.920.9799 to get started.
Have questions about pre-qualifying? Call us at 954.920.9799. We answer pre-qualification questions every day.