When to Talk to a Mortgage Pro About Pre-Qualification
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It can be helpful to visit with a mortgage professional first, even if you haven't settled on the sort of home to search for. What for? How can we help you if you haven't negotiated a purchase amount, and do not yet know the amount you want to borrow?
When we pre-qualify you, we help you find out how much of a monthly payment you can fit in your budget, and the loan amount you can qualify for. We can achieve this by considering your debts and income, your work and housing circumstances, the funds available for a down payment, required reserves, and other financial considerations. It's quick and to the point; We keep the paperwork light.
When you are determined to be eligible, we prove our confidence in your potential to qualify for a mortgage by giving you a Pre-Qualification Letter (also called a "pre-qual").
A number of advantages open to you after you have found your next house, and have pre-qualification. The first is that you'll be sure the amount you can afford when putting together the offer.
More important to the existing home owner, your being pre-qualified is like your having walked into their front door with a suitcase full of cash ready to purchase the house! They won't need to wonder if that they have been wasting their time if you can't be able to qualify for a high enough mortgage loan. The seller won't be concerned that he won't be able to count on you to qualify for your loan.Your qualifying for your needed loan amount will not be something for them to be concerned about. You can have the sway of a buyer ready to make the purchase right now!
We help with your pre-qualification
When we pre-qualify you, we help you find out how much of a monthly mortgage payment you can afford, and the loan amount you can qualify for. We do this by analyzing your income and debts, your work and residence situations, the funds available for down payment, required reserves, and other considerations. It's quick and basic; and we take pride in keeping the paperwork light.
One on one
While you are able to use our mortgage calculators on this site, it is essential to meet with us. We can begin getting your pre-qualification letter. Next, we can review your mortgage choices to be sure you are in the best one. Let us help you get started: Contact us at (727) 478-2797.
Have questions about pre-qualifying? Call us at (727) 478-2797. C2 Financial Corporation answers pre-qualifying questions every day.
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