When to Talk to Your Mortgage Professional
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Even if you haven't so much as picked out houses to view yet, it is valuable to contact your mortgage loan professional first. What for? It may be hard to fathom the ways we can help even before you begin to talk about prices and negotiations.
We Can Help You Pre-Qualify
We can help you find out how much of a loan you can qualify for and the monthly mortgage payment amount you are able to afford by getting you pre-qualified. We achieve this by reviewing your income and debts, your work and residence situations, your funds available for down payment, required reserves, and other considerations. We will ask for a minimum amount of paperwork, and avoid a lengthy process.
We will give you a Pre-Qualification Letter if you qualify, that documents that we're confident you'll qualify for up to a certain amount of mortgage dollars.
After you find a house that catches your eye, and you decide to put together an offer, being pre-qualified for a mortgage loan will do several things. The first is that you can know the amount you'll be able to afford when putting together your offer. Of greater importance to the home seller, your pre-qualification is like your having walked into their house with a bag full of cash to purchase the home! They will not need to be concerned that they have been wasting their time if you don't have the ability to qualify for a high enough mortgage loan. The seller won't wonder if he can count on you to qualify for your loan.Your qualifying for the necessary loan amount will not cause them concern. They have a virtual guarantee to trust your buying power.
We help with your pre-qualification
We will 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 analyzing your income and debts, your work and housing circumstances, your available funds for a down payment, required reserves, and some other things. It's a short, thorough process with minimal risks for papercuts.
One on one
While you are encouraged to try our mortgage calculators on this website, it will be a good idea to sit down and talk with us. We can walk you through your pre-qualification letter. Next, we can review your mortgage loan options to make sure you are in the best one. We're waiting to hear from you: contact us at (909) 467-1090.