Shopping for a mortgage loan? We can assist you! Give us a call at (813) 200-7931. Want to get started? Apply Here.
It is valuable to bring in your mortgage loan professional early — even before you've started to consider neighborhoods. What for? If you do not yet know how much house you need to qualify for, how could we help?
We Can Help You Pre-Qualify
When we pre-qualify you, we help you find out the amount in monthly payments you can afford, and the loan amount you will qualify for. We will achieve this by considering your debts and income, your work and residence situations, your funds available for a down payment, required reserves, and other considerations. We will require a minimum amount of paperwork, and avoid a lengthy process.
When you qualify, we present to you a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), which states that we are helping you to find the right mortgage loan program to fit your financial needs and that we are confident you'll qualify for a loan up to a specific amount.
Power in the Pre-Qual
After you locate a house that meets your needs, and you want to make an offer, being pre-qualified for a mortgage loan will do several things. First of all, you have some definite numbers in mind, as the total you can borrow.
Being pre-qualified also will make your offer more attractive to the home seller, as if you were bringing them a bag full of cash! They need not worry that that they are wasting their time if you can't have the ability to qualify for a big enough mortgage. The seller of the home won't worry if he can count on 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 your offer up.
We help with your pre-qualification
We can help you calculate how much of a mortgage you can afford, and the amount of money you will be able to borrow, by walking you through pre-qualifying. We do this by considering your debts and income, your employment and housing circumstances, your funds available for down payment, required reserves, and some other things. It's a short, thorough process with minimal risks for papercuts.
One on one
It's vital to sit down and talk with us, even though you are free to also use the helpful mortgage calculators on this site. For one thing, you'll need a Pre-Qualification Letter! Then, we'll make sure we have found the right mortgage loan program for you. We are waiting to meet with you: contact us at (813) 200-7931.
Have questions about pre-qualifying? Call us at (813) 200-7931. It's our job to answer pre-qualification questions, so we're happy to help!