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Even if you've not so much as researched homes to view yet, it's valuable to see your mortgage loan professional first. What for? What can we do for you before you have made your offer, and don't yet know how much you need to borrow?
When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford, and the loan amount you will qualify for. The process walks you through your finances - your debt, income, job, and down payment money, among other things. It's short and to the point; We take pride in keeping the paperwork light.
We will give you a Pre-Qualification Letter if you qualify, that states that we are confident you'll qualify for up to a predetermined amount of mortgage dollars.
Power in the Pre-Qual
Various beneifits open to you when you find your next house, and have pre-qualification power. First, it helps you know how much you can offer.
Your pre-qualification will also make your offer more attractive to the seller, like you were bringing them a suitcase of cash! They won't need to worry that that they are wasting their time if you won't be able to be able to qualify for a big enough mortgage. The seller of the home won't wonder if he can trust you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary mortgage loan amount will not be something for them to worry about. You can have the clout of a buyer ready to make the deal right now!
We can help you pre-qualify
We can help you see how much of a mortgage you can afford, and how much money you can borrow, by walking you through the pre-qualification process. We can accomplish this by reviewing your income and debts, your employment and residence situations, your available funds for a down payment, required reserves, and some other things. It's short and basic; and we take pride in keeping the paperwork to a minimum.
Face to Face
While you can try our mortgage calculators on this website, it is essential to sit down and talk with one of our mortgage professional team members. We can walk you through your pre-qualification letter. For another thing, we might locate a different mortgage loan option that better fits your needs. Contact us at 305-967-7200 to get started.
Have questions about pre-qualifying? Call us at 305-967-7200. We answer pre-qualification questions every day.