When to Speak to Your Mortgage Pro
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It's valuable to see a mortgage loan pro early, even if you haven't decided what sort of home to look for. What for? If you don't yet know how much home you want to qualify for, what could we do for you?
We Can Help You Pre-Qualify
Our mortgage professionals can help you calculate the loan amount you can qualify for and the mortgage payment amount you can afford by helping you pre-qualify. The process takes you through your financial situation - your debts, income, job, and down payment money, among other things. It's quick and to the point; We take pride in keeping the paperwork light.
Once you qualify, we give you a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), that documents the fact that we are partnering with you to find the best loan program to fit your situation and that we are confident you'll qualify for a mortgage loan for up to a certain amount.
Various beneifits open to you after you find your dream house, and have achieved pre-qualification. First of all, you have some definite numbers in mind, as the total you will be able to borrow.
More important to the current home owner, your pre-qualification is like your having entered their house with a suitcase full of cash ready to make the deal! They will not need to wonder if that they are wasting their time if you don't have the ability to qualify for a big enough mortgage loan. The seller won't worry if he can count on you to qualify for your loan.Your qualifying for the necessary loan amount will not cause them concern. They have a virtual guarantee that they can trust your buying power.
We will help you with your pre-qualification
When we pre-qualify you, we help you find out how much of a monthly mortgage payment you can fit in your budget, and how much we of a loan you will qualify for. We will do this by analyzing your income and debts, your work and residence situations, your available funds for a down payment, required reserves, and some other things. It's quick and to the point; and we take pride in keeping the paperwork light.
Face to Face
You can always use the calculators here on our website to get an idea of how much mortgage you'll be able to afford - but it's also important to talk with us. We can begin getting your pre-qualification letter. Then, we will make sure we have chosen the ideal mortgage loan program for your situation. Contact us at (727) 478-2797 to get started.
Have questions about pre-qualifying? Call us at (727) 478-2797. C2 Financial Corporation answers pre-qualifying questions every day.
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