Why Pre-Qualification is Important

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It is important to bring in your mortgage professional early — even before you have started narrowing down neighborhoods. What for? Perhaps it is difficult to fathom the way we could help even before you begin to talk about prices and negotiations.

Pre-Qualify

When we pre-qualify you, we help you determine the amount in monthly payments you can afford, and the loan amount you will qualify for. We accomplish this by considering your debts and income, your work and residence circumstances, the available funds for a down payment, required reserves, and some other things. It's a short, thorough process with minimal risks for papercuts.

We'll award you a Pre-Qualification Letter once you qualify, that says that we are confident you'll qualify for up to a predetermined amount of mortgage loan dollars.

Pre-Qualification Power

Several advantages open to you when you've found your dream house, and have pre-qualification power. First, it lets you know how much you are able to offer. Your pre-qualification also will make your offer look even better to the home seller, as if you were bringing them a suitcase full of cash! They will not have to wonder if that they are wasting their time if you will not be able 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 your needed loan amount won't cause them concern. You have the sway of a buyer ready to make the purchase right now!

We help with your pre-qualification

We will help you calculate how much of a mortgage you can afford, and the amount of money you can borrow, by taking you through the pre-qualification process. During this process, we calculate your borrowing capacity - analyzing your employment, money available for down payment, debt, income, and other areas. It's a quick, thorough process with minimal risks for papercuts.

Face to Face

It is vital for you to sit down and talk with us, even though you are free to also try the helpful mortgage loan calculators on our website. For one thing, you'll want a Pre-Qualification Letter! Then, we'll make sure we have selected the ideal mortgage loan program for you. We are eager to hear from you: contact us at 8132007931.

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