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It is helpful to consult your mortgage professional early — even before you've started researching neighborhoods. What for? It might be difficult to understand the ways we could help even before you start to calculate your offer.
We will help you see how much of a mortgage loan you can afford, and the amount of money you can borrow, by taking you through pre-qualifying. During this process, we determine your borrowing power - reviewing your earning status, available money for down payment, debts, income, and other areas. It's a short, thorough process with minimal risks for papercuts.
We will give you a Pre-Qualification Letter if you qualify, that says that we're confident you will qualify for up to a specific amount of mortgage dollars.
Some advantages open to you once you've found your dream house, and have pre-qualification. First, it lets you know the amount that you are able to offer.
Even more important to the seller of the house, your pre-qualification status gives them confidence - as if you had come into their house with a big box of cash to make the offer! They need not wonder if they're wasting their time if you do not be able to qualify for a high enough mortgage loan. The seller of the home won't worry if he can trust you to qualify for your loan.Your qualifying for the necessary mortgage loan amount won't cause them concern. You have the capability to back up your offer.
We will help you with your pre-qualification
We will help determine how much of a mortgage you can afford, and the amount of money you can borrow, by taking you through the pre-qualification process. During this process, we determine your ability to borrow - reviewing your employment, available money for down payment, existing debt, income, and other areas. It's quick and to the point; and we take pride in keeping the paperwork light.
Face to Face
You can certainly use the mortgage calculators on our site to calculate how much mortgage you will be able to afford - but it's also valuable to meet with us. We can walk you through your pre-qualification letter. Then, we can make sure we have chosen the best mortgage program for you. Let us get you started: Call us at (727) 478-2797.
Have questions about pre-qualifying? Call us at (727) 478-2797. It's our job to answer pre-qualification questions, so we're happy to help!
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