When to Talk to a Mortgage Pro

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It's helpful to consult with your mortgage loan professional early — even before you have started researching neighborhoods. Why? What can we do for you before you have made an offer, and don't yet know how much you want to borrow?

We Will Help You Pre-Qualify

Our mortgage professionals can help you calculate how much of a loan you can qualify for and the mortgage payment amount you can afford by getting you pre-qualified. The process takes you through your financial situation - your debts, income, job, and down payment money, among other things. It is a short, thorough process with minimal risks for papercuts.

After you qualify, will present to you a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), that says that we are helping you to find the right mortgage to meet your situation and that we are confident you will qualify for a mortgage loan for up to a specific amount.

Buying Power

With your pre-qualification letter, several advantages are yours once you find the house you want to put together an offer on. First of all, you have some definite numbers in mind, as the total you will be able to borrow. More important to the current home owner, your being pre-qualified is like your having walked into their front door with a bag full of money ready to make the deal! They need not be concerned they're wasting their time if you don't have the ability to qualify for a high enough mortgage loan. The seller of the home won't be concerned that he can't count on you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary mortgage loan amount won't be something for them to fret over. You have the clout of a buyer ready to make the deal right now!

We will help you with your pre-qualification

When we pre-qualify you, we help you decide how much of a monthly payment you can fit in your budget, and the loan amount you will qualify for. We achieve this by considering your income and debts, your employment and residence situations, your available funds for down payment, required reserves, and some other things. It's short and basic; and we take pride in keeping the paperwork light.

One on one

It's important to sit down and meet with us, even though you are welcome to also try the helpful mortgage calculator tools on this website. We can walk you through your pre-qualification letter. Next, we can review your mortgage program choices and be sure you have found the best one. We're eager to meet with you: contact us at 8132007931.

Have questions about pre-qualifying? Call us at 8132007931. We answer pre-qualification questions every day.