When to Talk to a Mortgage Professional About Pre-Qualification

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Even if you have not so much as researched houses to view yet, it's important to see your mortgage loan professional early. Why? How can we help you if you have not negotiated an amount, and do not yet know the amount you need to borrow?

We Can Help You Pre-Qualify

Our mortgage professionals can help you calculate the loan amount you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. We can do this by considering your debts and income, your work and residence situations, the available funds for down payment, required reserves, and some other things. We will require a minimum amount of paperwork, with a short,basic process.

Once you qualify, we give you what's called a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), which states that we are partnering with you to find the right mortgage loan program to meet your situation and that we are confident you will qualify for a loan for a specific amount.

Buying Clout

Once you locate the house that is right for you, and you decide to make an offer, being pre-qualified for a mortgage will do several things. First, it lets you know how much you can offer. Being pre-qualified also will make your offer look even better to the seller, as if you were bringing them a big box of cash! They won't need to wonder if that they are wasting their time if you can't be able to qualify for a big enough mortgage. The seller of the home won't be concerned that he can't count on 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 lose sleep over. They have a virtual guarantee that they can trust your ability to back up your offer.

We can help you pre-qualify

We can help you see how much of a mortgage you can afford, and the amount of money you may be able to borrow, by walking you through the pre-qualification process. The process outlines your current financial situation - your debts, income, job, cash available for down payment, among other things. It's a quick, thorough process with minimal risks for papercuts.

One on one

You can always use the calculators available on our website to get an idea of how much mortgage you can afford - but it's also essential to meet with us. We can begin getting your pre-qualification letter. Next, we can study your mortgage choices to make sure you have selected the best one. Contact us at (407) 889-4321 to get started.

Have questions about pre-qualifying? Call us at (407) 889-4321. It's our job to answer pre-qualification questions, so we're happy to help!

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