When to Talk to a Mortgage Professional About Pre-Qualification
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Even if you have not narrowed down homes to view yet, it is advantageous to see your mortgage professional early. Why? How can we help if you haven't negotiated an amount, and don't know yet how much you need to borrow?
We Can Help You Pre-Qualify
We will help you calculate how much of a mortgage you can afford, and how much money you can borrow, by taking you through the pre-qualification process. This process leads you through your finances - your debts, income, job, and down payment money, among other things. It's short and to the point; We take pride in keeping the paperwork to a minimum.
We will give you a Pre-Qualification Letter when you qualify, which states that we are confident you'll qualify for up to a specific amount of mortgage dollars.
Power in the Pre-Qual
Holding your pre-qualification letter, some advantages are yours when you locate the home you want to put together an offer on. First, it lets you know how much you are able to offer.
Being pre-qualified also will make your offer more attractive to the seller, like you were bringing them a big box of cash! They will not need to worry that they have been wasting their time if you don't be able to qualify for a high enough mortgage. The seller of the home won't be concerned that he can't trust you to qualify for your loan.Your qualifying for the necessary loan amount will not be something for them to lose sleep over. You can have the sway of a buyer ready to make the deal on the spot!
We will help you with your pre-qualification
We will help you see how much of a mortgage you can afford, and the amount of money you can borrow, by walking you through the pre-qualification process. We do this by considering your debts and income, your employment and residence circumstances, your available funds for down payment, required reserves, and other financial considerations. It's a quick, thorough process with minimal risks for papercuts.
You can always use the mortgage calculators on this website to calculate how much mortgage you'll be able to afford - but it's also important to talk with us. For one thing, you will want a Pre-Qualification Letter! For another thing, we could find a different mortgage choice that fits your needs better. We're eager to meet with you: call us at 310-379-5997.
Have questions about pre-qualifying? Call us at 310-379-5997. We answer pre-qualification questions every day.
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