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Even if you've not so much as narrowed down houses to view yet, it's valuable to contact your mortgage pro first. What for? When you don't yet know how much house you need to qualify for, what can we help you with?
We Will Help You Pre-Qualify
When we pre-qualify you, we help you determine the amount in mortgage payments you can afford, and the loan amount you will qualify for. This process outlines your finances - your debts, income, career, and cash available for down payment, among other things. It's short and basic; We take pride in keeping the paperwork light.
When you are determined to be eligible, we will prove our confidence in your potential to qualify for a loan by giving you a Pre-Qualification Letter (also known as a "pre-qual").
Once you locate a house that is ideal 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 how much you're able to offer.
Even more important to the seller of the house, your pre-qualification letter gives them certainty - as if you had come into their home with a big box of cash to make the offer! They will not need to worry that that they're wasting their time if you won't be able to be able to qualify for a high 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 won't be something for them to fret over. You have the ability to back up your offer.
We can help you pre-qualify
When we pre-qualify you, we help you figure out how much of a monthly payment you can fit in your budget, and the size of loan you will qualify for. This process outlines your finances - your debts, income, job, cash available for down payment, among other things. It is a quick, thorough process with minimal risks for papercuts.
One on one
You can always use the calculators on our website to calculate the size mortgage you can afford - but it's also essential to meet with one of our mortgage professionals. That way, we will help you get your pre-qualification letter. Then, we can make sure we have found the ideal mortgage program for you. Let us help you get started: Call us at 727-466-4301.
Have questions about pre-qualifying? Call us at 727-466-4301. It's our job to answer pre-qualification questions, so we're happy to help!