When to Speak to Your Mortgage Professional
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It is valuable to consult your mortgage professional early — even before you have started to research neighborhoods. Why? When you do not know yet how much home you need to qualify for, what can we help you with?
We will help you calculate the loan amount you can qualify for and the monthly payment amount you can afford by helping you pre-qualify. The process leads you through your finances - your debts, income, employment, and down payment money, among other things. It's a short, thorough process with minimal risks for papercuts.
When you are determined to be eligible, we will prove our confidence in your ability to qualify for a loan by presenting you with a Pre-Qualification Letter (also known as a "pre-qual").
Holding your pre-qualification letter, some advantages are yours when you find the home you want to put together an offer on. First, it lets you know how much you're able to offer. Even more important to the seller of the home, your pre-qualification status gives them confidence - as if you'd arrived at their house with a big box of cash to back up the offer! They will not have to wonder if that they have been wasting their time if you do not have the ability to qualify for a big enough mortgage loan. The seller won't wonder if he can count on you to qualify for your loan.Your qualifying for the necessary mortgage loan amount won't be something for them to be concerned about. They have a virtual guarantee to trust your buying power.
We will help you pre-qualify
We can help determine how much of a mortgage loan you can afford, and the amount of money you will be able to borrow, by walking you through pre-qualifying. In the process, we explore your borrowing potential - reviewing your earning status, available money for down payment, debts, income, and other circumstances. We require a minimum amount of paperwork, and avoid a lengthy process.
Face to Face
It is vital to sit down and talk with us, even though you are free to also try the helpful mortgage loan calculators on this site. We can work toward your pre-qualification letter. Next, we can consider your mortgage loan choices and be sure you have found the right one. Contact us at (909) 467-1090 to get started.