Why it's Important to Pre-Qualify
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Even if you've not picked out homes to visit yet, it is valuable to see your mortgage loan professional first. What for? How can we help before you have made an offer, and do not know yet the amount you need to borrow?
We Will Help You Pre-Qualify
Our mortgage professionals can help you determine the loan amount you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. In the process, we explore your ability to borrow - analyzing your earning status, money available for down payment, debt, income, and other areas. It's a quick, thorough process with minimal risks for papercuts.
Once you qualify, will give you a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), which says that we are helping you to find the right mortgage loan program to meet your situation and that we're confident you will qualify for a loan up to a certain amount.
Some benefits open to you once you've found your next house, and have pre-qualification power. First of all, you have some general numbers in mind, as the total you will qualify for with your loan. Even more important to the seller of the home, your pre-qualification gives them confidence - as if you had arrived at their house with a bag of cash to make the offer! They will not have to be concerned that they have been wasting their time if you don't be able to qualify for a big enough mortgage loan. The seller of the home won't be concerned that he can't count on you to qualify for your loan.Your qualifying for your needed loan amount won't cause them concern. You'll have the sway of a buyer ready to make the purchase on the spot!
We help with your pre-qualification
We can help you find out how much of a loan you can qualify for and the monthly payment amount you are able to afford by helping you pre-qualify. This process outlines your finances - your debts, income, career, cash available for down payment, among other things. It's short and to the point; and we keep the paperwork light.
One on one
It's important for you to sit down and talk with us, even though you are welcome to also try the helpful mortgage loan calculators on this site. That way, we'll help you get your pre-qualification letter. Next, we can consider your loan choices and be sure you are in the best one. Contact us at 909-660-8333 to get your pre-qualification process started.
Have questions about pre-qualifying? Call us at 909-660-8333. It's our job to answer pre-qualification questions, so we're happy to help!