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It's helpful to visit with a mortgage loan pro early, even if you haven't decided the sort of house you hope to find. What for? When you do not yet know how much home you want to qualify for, how could we help?
We Will Help You Pre-Qualify
When we pre-qualify you, we help you find out the amount in monthly mortgage payments you can afford, and the loan amount you can qualify for. During the process, we determine your ability to borrow - analyzing your earning status, money available for down payment, debt, income, and other circumstances. It is a quick, thorough process with minimal risks for papercuts.
Once you qualify, will give you what's called a Pre-Qualification Letter (your real estate agent might refer to it as a "pre-qual"), which documents the fact that we are helping you to find the right mortgage to meet your situation and that we are confident you will qualify for a mortgage for a specific amount.
After you locate a house that is best for you, and you decide to put together an offer, being pre-qualified for a mortgage loan will do several things. First, it helps you know the amount that you can offer. More important to the current home owner, your being pre-qualified is like your having walked into their house with a bag full of money ready to make the deal! They will not have to wonder if that they're wasting their time if you can't be able to qualify for a high enough mortgage. The seller of the home won't be concerned that he won't be able to count on you to qualify for your loan.Your qualifying for the necessary mortgage loan amount will not be something for them to lose sleep over. They have a virtual guarantee to trust your buying power.
We will help you with your pre-qualification
When we pre-qualify you, we help you determine how much of a monthly payment you can afford, and how much we of a loan you can qualify for. We will accomplish this by considering your debts and income, your employment and residence circumstances, your funds available for a down payment, required reserves, and other financial considerations. It is a short, thorough process with minimal risks for papercuts.
Face to Face
While you can try our mortgage calculators on our site, it will be a good idea to sit down and talk with us. That way, we'll be able to help you get your pre-qualification letter. Then, we'll make sure we have selected the best mortgage loan program for you. Let us get you started: Contact us at (909) 467-1090.