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It is important to consult your mortgage loan professional as soon as possible — even before you've started to consider neighborhoods. Why? When you don't know yet how much house you want to qualify for, what can we do for you?
We Will Help You Pre-Qualify
When we pre-qualify you, we help you find out the amount in monthly payments you can fit in your budget, and how much we of a loan you will qualify for. During the process, we explore your borrowing potential - analyzing your earning status, available money for down payment, debts, income, and other areas. It's a short, thorough process with minimal risks for papercuts.
When you qualify, will present to you what's called a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), that documents the fact that we are working with you to find the best mortgage to meet your situation and that we're confident you will qualify for a mortgage loan for up to a certain amount.
Power in the Pre-Qual
When you locate the house that is best for you, and you want to make an offer, being pre-qualified for a loan will do several things. The first is that you'll be sure the amount you can afford when calculating the offer.
Having pre-qualification can also make your offer more attractive to the home seller, like you were bringing them a bag full of cash! They will not need to be concerned that they are wasting their time if you will not 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 count on you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary mortgage loan amount won't be something for them to worry about. You will have the clout of a buyer ready to make the deal on the spot!
We can help you pre-qualify
Our mortgage professionals can help you calculate the loan amount you can qualify for and the monthly payment amount you are able to afford by getting you pre-qualified. During the process, we calculate your capacity to borrow - reviewing your earning status, available money for down payment, existing debt, income, and other circumstances. We require a minimum amount of paperwork, and avoid a lengthy process.
You can certainly use the mortgage calculators available on our site to get an idea of how much mortgage you will be able to afford - but it's also valuable to talk with us. For one thing, you'll need a Pre-Qualification Letter! For another thing, we could locate a different mortgage loan option that fits your situation better. Contact us at 561-395-4264 to get started.
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!