When to Talk to a Mortgage Pro About Pre-Qualifying
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Even if you've not so much as researched houses to view yet, it's valuable to see your mortgage professional early. Why? How can we help before you have negotiated a price, and don't know yet the amount you need to borrow?
We Will Help You Pre-Qualify
We will help determine how much of a mortgage you can afford, and the amount of money you can borrow, by walking you through pre-qualifying. The process leads you through your financial situation - your debt, income, employment, and down payment money, among other things. It's quick and to the point; We take pride in keeping the paperwork to a minimum.
We'll give you a Pre-Qualification Letter once you qualify, which says that we're confident you'll qualify for a certain amount of mortgage loan dollars.
Armed with your pre-qualification letter, a number of advantages fall at your feet when you find the house you want to put together an offer on. First of all, you have some concrete numbers in mind, as the total you will qualify for with your mortgage.
Even more important to the existing owner, your pre-qualification gives them confidence - as if you had arrived at their house with a bag of cash to make the offer! They will not need to wonder if that they are wasting their time if you can't be able to qualify for a big enough mortgage loan. The seller won't worry if he can trust you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary loan amount will not cause them concern. You'll have the influence of a buyer ready to make the deal right now!
We will help you pre-qualify
When we pre-qualify you, we help you figure out how much of a monthly payment you can afford, and the size of loan you can qualify for. This process walks you through your current financial situation - your debts, income, employment, cash available for down payment, among other things. It's a quick, thorough process with minimal risks for papercuts.
Face to Face
While you are encouraged to use our mortgage calculators on this site, it will be a good idea to sit down and talk with one of our mortgage professional team members. For one thing, you'll want a Pre-Qualification Letter! Then, we'll make sure we have found the ideal mortgage loan program for your situation. Contact us at (972)466-2551 to get your pre-qualification process started.
Have questions about pre-qualifying? Call us at (972)466-2551. We answer pre-qualification questions every day.