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It's important to consult your mortgage loan professional as soon as possible — even before you've started to consider neighborhoods. What for? It might be difficult to understand the ways we could help even before you begin to negotiate.
We can help you see how much of a mortgage you can afford, and how much money you may be able to borrow, by walking you through the pre-qualification process. During the process, we calculate your borrowing power - looking at your employment, money available for down payment, debts, income, and other areas. We will ask for a minimum amount of paperwork, and avoid a lengthy process.
When you qualify, we present to you what's called a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), that documents the fact that we are helping you to find the ideal loan to fit your needs and that we are confident you'll qualify for a mortgage loan for a specific amount.
Various beneifits open to you when you find your new house, and have achieved pre-qualification. First of all, you have some concrete numbers in mind, as the amount you will be able to borrow.
Being pre-qualified will also make your offer look even better to the home seller, like you were bringing them a suitcase full of cash! They will not need to worry that that they're wasting their time if you can't have the ability to qualify for a big enough mortgage. The seller won't worry if he can trust you to qualify for your loan.Your qualifying for the necessary mortgage loan amount won't cause them concern. You have the ability to back your offer up.
We will help you with your pre-qualification
We will help you calculate how much of a loan you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. During this process, we determine your borrowing power - analyzing your earning status, money available for down payment, debt, income, and other areas. We will require a minimum amount of paperwork, and avoid a lengthy process.
Face to Face
While you can use our mortgage calculators on our site, it's essential to meet with one of our mortgage professional team members. We can walk you through your pre-qualification letter. For another thing, we might locate a different mortgage option that is a better fit for you. Let us help you get started: Call us at (813) 200-7931.
Have questions about pre-qualifying? Call us at (813) 200-7931. Sky Apply Mortgage answers pre-qualifying questions every day.