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It can be helpful to see a mortgage professional first, even before you have determined the sort of house to search for. What for? Perhaps it is difficult to understand the way we can help even before you begin to negotiate.
Our mortgage professionals can help you calculate how much of a loan 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, career, and down payment money, among other things. It is a short, thorough process with minimal risks for papercuts.
After you qualify, will give you what's called a Pre-Qualification Letter (your real estate agent may refer to it as a "pre-qual"), that documents the fact that we are helping you to find the ideal mortgage loan to meet your financial needs and that we are confident you'll qualify for a mortgage for a specific amount.
Some advantages open to you after you've found your dream house, and have achieved pre-qualification. First of all, you have some concrete numbers in mind, as the amount you will qualify for with your mortgage.
More important to the existing home owner, your being pre-qualified is like your having walked into their front door with a bag full of cash ready to make the deal! They won't need to wonder if they are wasting their time if you will not have the ability to qualify for a big enough mortgage loan. The seller of the home won't be concerned that he won't be able to trust you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary mortgage loan amount won't be something for them to lose sleep over. They have a virtual guarantee to trust your ability to back up your offer.
We help with your pre-qualification
We can help you calculate 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. This process walks you through your current financial situation - your debts, income, job, cash available for down payment, among other things. It is a quick, thorough process with minimal risks for papercuts.
Face to Face
It is important to sit down and meet with us, even though you are free to also utilize the helpful mortgage calculators on our website. For one thing, you'll want a Pre-Qualification Letter! Next, we can review your mortgage program options and be sure you have selected the best one. Let us help you get started: Call us at (407) 889-4321.
Have questions about pre-qualifying? Call us at (407) 889-4321. The Mortgage Firm - Team Meyers answers pre-qualifying questions every day.