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It's helpful to consult with your mortgage professional as soon as possible — even before you've started researching neighborhoods. What for? It may be hard to understand the way we can help even before you start to negotiate.
We will help determine how much of a mortgage you can afford, and the amount of money you can borrow, by walking you through the pre-qualification process. We do this by analyzing your income and debts, your employment and housing situations, the funds available for down payment, required reserves, and some other things. We ask for a minimum amount of paperwork, with a short,basic process.
We award you a Pre-Qualification Letter once you qualify, which says that we're confident you'll qualify for a predetermined amount of mortgage loan dollars.
Armed with your pre-qualification letter, several advantages fall at your feet at the point you find the house you want to make an offer for. First, it lets you know how much you are able to offer.
Of greater importance to the current home owner, your pre-qualification is like your having walked into their house with a suitcase full of money ready to purchase their home! They will not need to wonder if that they're wasting their time if you will not have the ability to qualify for a high enough mortgage loan. The seller won't worry if he can count on you to qualify for your loan.Your qualifying for the necessary loan amount won't cause them concern. You have the ability to back your offer up.
We will help you with your pre-qualification
We can help you see how much of a mortgage loan you can afford, and the amount of money you may be able to borrow, by taking you through the pre-qualification process. We do this by analyzing your income and debts, your employment and housing circumstances, your available funds for down payment, required reserves, and other considerations. It's short and to the point; and we take pride in keeping the paperwork to a minimum.
It is vital for you to sit down and talk with us, even though you are free to also use the helpful mortgage loan calculators on our website. We can work toward your pre-qualification letter. Then, we can make sure we have the right mortgage program for your situation. Let us help you get started: Call us at 561-395-4264.
Have questions about pre-qualifying? Call us at 561-395-4264. It's our job to answer pre-qualification questions, so we're happy to help!