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Even if you have not so much as narrowed down homes to visit yet, it's advantageous to visit with your mortgage pro first. Why? Perhaps it's difficult to fathom the ways we could help even before you start to calculate your offer.
We will help determine how much of a mortgage you can afford, and the amount of money you will be able to borrow, by walking you through pre-qualifying. This process outlines your finances - your debts, income, career, and down payment money, among other things. We ask for a minimum amount of paperwork, with a short,basic process.
At the point you are considered eligible, we prove our confidence in your capacity to qualify for a mortgage by giving you a Pre-Qualification Letter (also called a "pre-qual").
Power in the Pre-Qual
Once you locate a house that is best for you, and you want to make an offer, being pre-qualified for a mortgage loan will do a couple of things. The first is that you'll know what you'll be able to afford when calculating your offer. Having pre-qualification will also make your offer look even better to the home seller, like you were bringing them a suitcase full of cash! They will not need to be concerned that they're wasting their time if you won't be able to be able to qualify for a big enough mortgage loan. The seller of the home won't wonder if he can trust 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. They have a virtual guarantee to trust your ability to back up your offer.
We will help you with your pre-qualification
We can help determine how much of a mortgage loan you can afford, and how much money you can borrow, by taking you through pre-qualifying. We do this by reviewing your income and debts, your work and residence circumstances, your available funds for down payment, required reserves, and some other things. It's short and basic; and we keep the paperwork to a minimum.
It is important to sit down and meet with us, even though you are welcome to also utilize the helpful mortgage loan calculators on this site. We can work toward your pre-qualification letter. For another thing, we might find a different mortgage choice that better fits your needs. Contact us at (909) 467-1090 to get your pre-qualification process started.