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It's important to see a mortgage loan pro early, even if you haven't decided the sort of home you hope to find. Why? Maybe it is hard to fathom how we can help even before you start to negotiate.
We Can Help You Pre-Qualify
Our mortgage professionals will help you find out the loan amount you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified. This process outlines your finances - your debts, income, employment, and down payment money, among other things. We require a minimum amount of paperwork, with a quick process.
Once you qualify, we give you a Pre-Qualification Letter (your real estate agent may refer to it as a "pre-qual"), that says that we are partnering with you to find the ideal mortgage loan program to meet your financial needs and that we're confident you will qualify for a mortgage for up to a certain amount.
Several beneifits open to you when you have found your dream house, and have pre-qualification power. First, you have some concrete numbers in mind, as the amount you will qualify for on your mortgage loan.
Even more important to the existing owner, your pre-qualification gives them confidence - as if you'd entered their house with a bag of cash to make the offer! They will not have to worry that they have been wasting their time if you don't be able to qualify for a big enough mortgage. The seller of the home won't be concerned that he won't be able to trust you to qualify for your loan.Your qualifying for the necessary loan amount will not be something for them to be concerned about. You have the ability to back up your offer.
We help with your pre-qualification
We can help you determine how much of a loan you can qualify for and the monthly payment amount you can afford by getting you pre-qualified. We accomplish this by considering your income and debts, your work and housing situations, your funds available for a down payment, required reserves, and some other things. It's a short, thorough process with minimal risks for papercuts.
One on one
You can always use the mortgage calculators available on this website to calculate the size mortgage you will be able to afford - but it's also valuable to meet with one of our mortgage professionals. We can work toward your pre-qualification letter. Then, we can make sure we have selected the ideal mortgage program for your situation. We're eager to meet with you: call us at (407) 889-4321.
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!