Why Pre-Qualification is Important
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Even if you've not so much as picked out houses to view yet, it can be advantageous to visit with your mortgage professional early. Why? How can we help before you have negotiated an amount, and don't yet know how much you want to borrow?
We Will Help You Pre-Qualify
Our mortgage professionals can help you determine how much of a loan you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. During this process, we look at your borrowing potential - analyzing your earning status, available money for down payment, debt, income, and other areas. It's a quick, thorough process with minimal risks for papercuts.
We'll give you a Pre-Qualification Letter if you qualify, which documents that we're confident you will qualify for up to a specific amount of mortgage dollars.
Power in the Pre-Qual
Armed with your pre-qualification letter, several advantages fall at your feet once you locate the house you want to put together an offer on. First, it helps you know how much you're able to offer.
Having pre-qualification will also make your offer more attractive to the seller, as if you were bringing them a bag full of cash! They won't need to worry that that they have been wasting their time if you can't have the ability to qualify for a high enough mortgage loan. The seller 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 cause them concern. You have the ability to back your offer up.
We can help you pre-qualify
Our mortgage professionals can help you determine the loan amount you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. The process walks you through your finances - your debts, income, career, down payment money, among other things. It's short and basic; and we take pride in keeping the paperwork to a minimum.
You can certainly use the calculators on this site to calculate how much mortgage you can afford - but it's also valuable to meet with us. We can work toward your pre-qualification letter. For another thing, we may find a different mortgage option that fits your needs better. Let us help you get started: Call us at 407-834-3377.
Have questions about pre-qualifying? Call us at 407-834-3377. We answer pre-qualification questions every day.
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