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It's valuable to bring in your mortgage professional as soon as possible — even before you have started researching neighborhoods. What for? What can we do for you before you have negotiated a purchase amount, and do not know yet how much you want to borrow?
We Will Help You Pre-Qualify
When we pre-qualify you, we help you determine the amount in mortgage payments you can fit in your budget, and the loan amount you can qualify for. We do this by analyzing your income and debts, your employment and housing situations, your funds available for down payment, required reserves, and some other things. It's short and basic; We keep the paperwork to a minimum.
We will give you a Pre-Qualification Letter if you qualify, which says that we're confident you can qualify for a certain amount of mortgage dollars.
Power in the Pre-Qual
Armed with your pre-qualification letter, several advantages fall at your feet at the point you find the house you want to put together an offer on. First, it helps you know the amount that you are able to offer. 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 will not need to worry that they're wasting their time if you do not have the ability to qualify for a high enough mortgage. The seller of the home won't worry if he can trust you to qualify for your mortgage in the amount you will need.Your qualifying for your needed mortgage loan amount won't cause them concern. You have the ability to back up your offer.
We will help you with your pre-qualification
When we pre-qualify you, we help you decide the amount you can afford in monthly mortgage payments you can fit in your budget, and the size of loan you will qualify for. The process leads you through your finances - your debts, income, career, cash available for down payment, among other things. It's quick and to the point; and we keep the paperwork to a minimum.
Face to Face
While you are able to try our mortgage calculators on our website, it's essential to sit down and talk with us. For one thing, you'll need a Pre-Qualification Letter! Next, we can review your mortgage program choices and make sure you have chosen the best one. Contact us at (909) 467-1090 to get your pre-qualification process started.