The Importance of Pre-Qualifying
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Even if you haven't so much as narrowed down houses to visit yet, it's advantageous to see your mortgage professional early. What for? Perhaps it's hard to fathom the ways in which we could help even before you begin to talk about prices and negotiations.
We Can Help You Pre-Qualify
Our mortgage professionals will help you calculate how much of a loan you can qualify for and the monthly payment amount you can afford by getting you pre-qualified. During this process, we explore your borrowing potential - reviewing your employment, available money for down payment, existing debt, income, and other areas. It is a quick, thorough process with minimal risks for papercuts.
After you qualify, will present to you what's called a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), that says that we are helping you to find the best mortgage loan to meet your needs and that we are confident you'll qualify for a mortgage loan for a certain amount.
Armed with your pre-qualification letter, several advantages are yours at the point you locate the home you want to make an offer on. First, it helps you know the amount that you are able to offer.
Being pre-qualified also will make your offer more attractive to the seller, like you were bringing them a big box of cash! They will not need to wonder if they have been 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 be concerned that he won't be able to trust you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary mortgage loan amount will not be something for them to fret over. You have the influence of a buyer ready to make the purchase on the spot!
We will help you with your pre-qualification
Our mortgage professionals can help you calculate the loan amount you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. We accomplish this by analyzing your debts and income, your work and residence circumstances, your available funds for a down payment, required reserves, and other considerations. It's a quick, thorough process with minimal risks for papercuts.
Face to Face
It is vital to sit down and meet with us, even though you are welcome to also use the helpful mortgage calculator tools on our site. That way, we'll help you get your pre-qualification letter. Next, we can study your mortgage choices to be sure you have found the best one. We're eager to meet with you: contact us at 561-395-4264.
Have questions about pre-qualifying? Call us at 561-395-4264. We answer pre-qualification questions every day.