When to Speak to a Mortgage Professional
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Are you looking for a new mortgage? We'd be thrilled to talk about our mortgage offerings! Give us a call today at 800-374-0046. Ready to begin? Apply Online Now. | ||
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Even if you have not so much as narrowed down houses to view yet, it is advantageous to contact your mortgage professional first. What for? If you do not know yet how much house you need to qualify for, how could we help?
Pre-Qualify
We will help you calculate how much of a loan you can qualify for and the monthly payment amount you are able to afford by helping you pre-qualify. In the process, we determine your ability to borrow - reviewing your job, available money for down payment, existing debt, income, and other circumstances. It is a quick, thorough process with minimal risks for papercuts.
We will award you a Pre-Qualification Letter after you qualify, that states that we are confident you'll qualify for up to a predetermined amount of mortgage dollars.
Buying Power
Various benefits open to you when you've found your dream house, and have achieved pre-qualification. The first is that you can be sure what you can afford when determining your offer. Even more important to the current owner, your pre-qualification gives them certainty - as if you'd come to their house with a suitcase of cash to back up the offer! They will not need to wonder if that they are wasting their time if you won't be able to be able to qualify for a big enough mortgage. The seller won't worry if he can count on you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed loan amount won't be something for them to lose sleep over. You have the capability to back your offer up.
We will help you with your pre-qualification
When we pre-qualify you, we help you find out how much of a monthly mortgage payment you can afford, and how much we of a loan you will qualify for. We achieve this by reviewing your income and debts, your employment and housing situations, the funds available for down payment, required reserves, and some other things. It's quick and to the point; and we take pride in keeping the paperwork to a minimum.
Face to Face
You can certainly use the mortgage calculators available on our website to get an idea of how much mortgage you can afford - but it's also essential to meet with us. For one thing, you will want a Pre-Qualification Letter! Then, we'll make sure we have the right mortgage loan program for you. Let us help you get started: Contact us at 800-374-0046.
