When to Speak to a Mortgage Pro
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It can be important to visit with a mortgage loan pro early, even before you have decided the sort of home you hope to find. What for? When you don't yet know how much house you want to qualify for, how could we help?
We Can Help You Pre-Qualify
We can help determine how much of a mortgage loan you can afford, and the amount of money you will be able to borrow, by taking you through pre-qualifying. We accomplish this by reviewing your income and debts, your work and housing situations, your available funds for down payment, required reserves, and other financial considerations. It's a quick, thorough process with minimal risks for papercuts.
After you are determined to be eligible, we prove our confidence in your ability to qualify for a loan by awarding you a Pre-Qualification Letter (also known as a "pre-qual").
Power in the Pre-Qual
With your pre-qualification letter, some advantages are yours once you find the home you want to make an offer for. First, it lets you know how much you are able to offer.
Even more important to the present owner, your pre-qualification letter gives them certainty - as if you had come into their house with a suitcase of cash to back up the offer! They won't need to be concerned that they have been wasting their time if you do not have the ability to qualify for a high enough mortgage loan. The seller of the home won't wonder if he can count on you to qualify for your loan.Your qualifying for your needed loan amount will not cause them concern. You have the ability to back your offer up.
We help with your pre-qualification
When we pre-qualify you, we help you decide how much of a monthly mortgage payment you can fit in your budget, and the loan amount you can qualify for. We can achieve this by reviewing your income and debts, your work and residence situations, your available funds for down payment, required reserves, and other financial considerations. It's quick and basic; and we keep the paperwork to a minimum.
It's important to sit down and meet with us, even though you are welcome to also try the helpful mortgage loan calculator tools on this website. For one thing, you'll want a Pre-Qualification Letter! For another thing, we may locate a different mortgage loan option that better fits your needs. Contact us at 561-395-4264 to get started.
Have questions about pre-qualifying? Call us at 561-395-4264. We answer pre-qualification questions every day.