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It's valuable to consult your mortgage loan professional as soon as possible — even before you have started to consider neighborhoods. Why? If you don't know yet how much home you want to qualify for, what could we help you with?
We can help you see how much of a mortgage loan you can afford, and how much money you may be able to borrow, by walking you through the pre-qualification process. We do this by reviewing your debts and income, your work and residence circumstances, your funds available for a down payment, required reserves, and some other things. We ask for a minimum amount of paperwork, and avoid a lengthy process.
After you are considered eligible, we will prove our confidence in your potential to qualify for a mortgage loan by awarding you a Pre-Qualification Letter (also called a "pre-qual").
Several advantages open to you after you've found your new house, and have pre-qualification. First, it lets you know the amount that you're able to offer.
Your pre-qualification also will make your offer more attractive to the seller, like you were bringing them a suitcase of cash! They need not worry that they're wasting their time if you do not have the ability to qualify for a big enough mortgage. The seller 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 your needed loan amount won't be something for them to fret over. You can have the sway of a buyer ready to make the deal right now!
We can help you pre-qualify
We will help you find out how much of a loan you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. During the process, we determine your ability to borrow - looking at your employment, money available for down payment, debt, income, and other areas. It's a quick, thorough process with minimal risks for papercuts.
You can certainly use the mortgage calculators available on our site to calculate how much mortgage you'll be able to afford - but it's also valuable to meet with us. That way, we can help you get your pre-qualification letter. Then, we will make sure we have the best mortgage loan program for your situation. Let us help you get started: Contact us at (727) 478-2797.
Have questions about pre-qualifying? Call us at (727) 478-2797. We answer pre-qualification questions every day.
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