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It can be helpful to see a mortgage loan pro first, even before you have decided the kind of house you hope to find. What for? It might be difficult to understand the way we could help even before you start to calculate your offer.
We Can Help You Pre-Qualify
We can help you calculate how much of a mortgage you can afford, and the amount of money you may be able to borrow, by taking you through the pre-qualification process. The process outlines your financial situation - your debts, income, job, and cash available for down payment, among other things. We require a minimum amount of paperwork, with a short,basic process.
Once you qualify, we give you a Pre-Qualification Letter (your real estate agent may refer to it as a "pre-qual"), that documents the fact that we are helping you to find the right mortgage loan program to fit your situation and that we're confident you'll qualify for a loan for a certain amount.
Some beneifits open to you after you have found your new house, and have pre-qualification. First of all, you have some concrete numbers in mind, as the total you will qualify for on your mortgage loan.
Your pre-qualification also will make your offer look even better to the seller, as if you were bringing them a bag full of cash! They need not be concerned they're wasting their time if you won't be able to be able to qualify for a big enough mortgage loan. The seller won't wonder if he can count on you to qualify for your mortgage in the amount you will need.Your qualifying for your needed mortgage loan amount will not cause them concern. You have the sway of a buyer ready to make the deal on the spot!
We can help you pre-qualify
When we pre-qualify you, we help you figure out how much of a monthly payment you can fit in your budget, and the loan amount you can qualify for. The process leads you through your finances - your debts, income, career, cash available for down payment, among other things. We as for a minimum amount of paperwork, and avoid a lengthy process.
While you are encouraged to try our mortgage calculators on this site, it will be essential to meet with one of our mortgage professional team members. That way, we'll help you get your pre-qualification letter. For another thing, we could find a different mortgage choice that fits your needs better. Let us help you get started: Contact us at 561-395-4264.
Have questions about pre-qualifying? Call us at 561-395-4264. We answer pre-qualification questions every day.