When to Talk to Your Mortgage Professional

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It is valuable to consult your mortgage professional early — even before you have started to research neighborhoods. Why? If you do not yet know how much home you want to qualify for, how could we help?

We Can Help You Pre-Qualify

When we pre-qualify you, we help you decide how much of a monthly payment you can fit in your budget, and the size of loan you will qualify for. We can achieve this by reviewing your income and debts, your work and residence circumstances, your funds available for a down payment, required reserves, and other financial considerations. We ask for a minimum amount of paperwork, and avoid a lengthy process.

We will award you a Pre-Qualification Letter after you qualify, which documents that we are confident you'll qualify for a predetermined amount of mortgage loan dollars.

Pre-Qual Power

Armed with your pre-qualification letter, several advantages are yours when you find the home you want to put together an offer on. First, you have some definite numbers in mind, as the amount you will qualify for with your loan. More important to the home seller, your pre-qualification is like your having entered their house with a bag full of cash ready to purchase their home! They need not wonder if they are wasting their time if you can't be able to qualify for a big 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 your needed loan amount won't cause them concern. You have the ability to back up your offer.

We will help you pre-qualify

When we pre-qualify you, we help you decide the amount you can afford in mortgage payments you can fit in your budget, and how much we of a loan you can qualify for. We accomplish this by reviewing your income and debts, your work and housing situations, your funds available for down payment, required reserves, and some other things. We will ask for a minimum amount of paperwork, and avoid a lengthy process.

One on one

You can always use the mortgage calculators on our website to get an idea of how much mortgage you'll be able to afford - but it's also valuable to talk with one of our mortgage professionals. For one thing, you will want a Pre-Qualification Letter! Next, we can study your mortgage program options to be sure you are in the right one. Let us help you get started: Call us at 8557558700.

Have questions about pre-qualifying? Call us at 8557558700. We answer pre-qualification questions every day.