Why it's Important to Pre-Qualify
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Even if you haven't so much as narrowed down houses to visit yet, it is important to contact your mortgage loan professional first. Why? How can we help before you have made your offer, and do not yet know how much you want to borrow?
We Will Help You Pre-Qualify
We will help you calculate how much of a loan you can qualify for and the mortgage payment amount you can afford by helping you pre-qualify. During the process, we calculate your borrowing power - reviewing your employment, available money for down payment, existing debt, income, and other circumstances. We will require a minimum amount of paperwork, with a quick process.
We'll award you a Pre-Qualification Letter if you qualify, that states that we are confident you'll qualify for a specific amount of mortgage loan dollars.
Power in the Pre-Qual
Once you locate the house that catches your eye, and you decide to put together an offer, being pre-qualified for a mortgage loan will do a number of things. The first is that you can know the amount you will be able to afford when determining your offer. Being pre-qualified can also make your offer look even better to the home seller, as if you were bringing them a big box of cash! They will not need to wonder if that they are wasting their time if you won't be able to have the ability to qualify for a high enough mortgage. The seller of the home won't worry if he can count on you to qualify for your loan.Your qualifying for the necessary loan amount will not be something for them to lose sleep over. You have the ability to back your offer up.
We will 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 loan amount you will qualify for. In the process, we determine your borrowing potential - reviewing your job, available money for down payment, debts, income, and other areas. It is a quick, thorough process with minimal risks for papercuts.
Face to Face
It is important to sit down and talk with us, even though you are free to also use the helpful mortgage loan calculator tools on this website. That way, we will help you get your pre-qualification letter. Then, we'll make sure we have the right mortgage program for you. Contact us at (520)820-1332 to get started.