When to Talk to a Mortgage Professional
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It's important to visit with a mortgage professional first, even before you have decided the kind of house to search for. Why? It might be difficult to fathom the ways in which we could help even before you begin to calculate your offer.
We Will Help You Pre-Qualify
When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford, and the size of loan you will qualify for. The process outlines your finances - your debts, income, career, and cash available for down payment, among other things. It's short and to the point; We take pride in keeping the paperwork light.
We award you a Pre-Qualification Letter after you qualify, which says that we're confident you'll qualify for a certain amount of mortgage dollars.
Power in the Pre-Qual
After you locate the house that is ideal for you, and you want to put together an offer, being pre-qualified for a mortgage will do several things. First, it helps you know the amount that you can offer.
Your pre-qualification also will make your offer look even better to the home seller, like you were bringing them a bag full of cash! They will not need to wonder if 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 trust you to qualify for your loan.Your qualifying for your needed loan amount won't be something for them to fret over. You have the capability to back up your offer.
We will help you pre-qualify
We can help you find out how much of a loan you can qualify for and the monthly mortgage payment amount you are able to afford by getting you pre-qualified. We achieve this by considering your income and debts, your work and housing circumstances, the funds available for down payment, required reserves, and other financial considerations. We will require a minimum amount of paperwork, with a short, basic process.
You can always use the calculators available on our site to calculate the size mortgage you'll be able to afford - but it's also essential to meet with us. That way, we can help you get your pre-qualification letter. Then, we'll make sure we have the right mortgage loan program for your situation. Let us help you get started: Call us at 7068605514.
Have questions about pre-qualifying? Call us at 7068605514. We answer pre-qualification questions every day.