Why Pre-Qualify?

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Even if you haven't picked out homes to view yet, it's important to visit with your mortgage pro first. Why? Maybe it is hard to understand the ways we could help even before you begin to calculate your offer.

Pre-Qualify

Our mortgage professionals can help you determine the loan amount you can qualify for and the mortgage payment amount you can afford by getting you pre-qualified. The process walks you through your finances - your debt, income, employment, and down payment money, among other things. It is a short, thorough process with minimal risks for papercuts.

After you qualify, we present to you what's called a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), which says that we are partnering with you to find the right loan program to meet your financial needs and that we're confident you will qualify for a mortgage loan up to a certain amount.

Pre-Qualification Power

When you locate the house that meets your needs, and you decide to make an offer, being pre-qualified for a mortgage loan will do several things. First, you have some concrete numbers in mind, as the amount you will be able to borrow. Having pre-qualification also will make your offer more attractive to the seller, like you were bringing them a bag full of cash! They will not need to worry that they are wasting their time if you won't be able to be able 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 cause them concern. They have a virtual guarantee to trust your buying power.

We help with your pre-qualification

We will help you find out the loan amount you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. During the process, we look at your borrowing potential - looking at your earning status, money available for down payment, debts, income, and other areas. It is a short, thorough process with minimal risks for papercuts.

Face to Face

While you are encouraged to use our tools to calculate mortgage variables on our website, it's essential to sit down and talk with us. For one thing, you'll need a Pre-Qualification Letter! Then, we can make sure we have chosen the best mortgage loan program for you. We are waiting to hear from you: call us at 4054054054.

Have questions about pre-qualifying? Call us at 4054054054. It's our job to answer pre-qualification questions, so we're happy to help!