Why it's Important to Pre-Qualify

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It can be helpful to see a mortgage loan pro first, even before you've decided the sort of home to search for. Why? What can we do for you before you have negotiated a purchase amount, and do not know yet the amount you want to borrow?

Pre-Qualify

Our mortgage professionals can help you find out the loan amount you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. We accomplish this by considering your debts and income, your employment and residence situations, your available funds for down payment, required reserves, and other financial considerations. It's short and to the point; We keep the paperwork light.

We will give you a Pre-Qualification Letter if you qualify, which says that we're confident you can qualify for a predetermined amount of mortgage loan dollars.

Buying Power

Once you locate the house that meets your needs, and you decide to put together an offer, being pre-qualified for a loan will do several things. First of all, you have some definite numbers in mind, as the total you will qualify for with your loan. Even more important to the seller, your pre-qualification letter gives them confidence - as if you had entered their home with a big box of cash to make the offer! They will not have to worry that that they are wasting their time if you don't be able to qualify for a high enough mortgage loan. The seller won't be concerned that he won't be able to count on you to qualify for your loan.Your qualifying for your needed mortgage loan amount won't be something for them to fret over. You'll have the clout of a buyer ready to make the purchase on the spot!

We will help you 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 how much we of a loan you will qualify for. We achieve this by reviewing your debts and income, your employment and housing circumstances, the funds available for down payment, required reserves, and some other things. It's quick and to the point; and we keep the paperwork to a minimum.

One-on-One

It's vital to sit down and talk with us, even though you are free to also try the helpful mortgage loan calculators on this site. That way, we'll be able to help you get your pre-qualification letter. Next, we can consider your mortgage loan options to make sure you are in the best one. Contact us at 8557558700 to get started.

Have questions about pre-qualifying? Call us at 8557558700. MortgageZ LLC answers pre-qualifying questions every day.