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It can be helpful to see a mortgage professional early, even before you've determined the kind of house you hope to find. Why? When you do not know yet how much home you need to qualify for, what can we do for you?
When we pre-qualify you, we help you decide how much of a monthly payment you can afford, and the loan amount you can qualify for. During the process, we determine your ability to borrow - analyzing your earning status, available money for down payment, existing debt, income, and other circumstances. It's quick and basic; We take pride in keeping the paperwork light.
Once you qualify, we present to you what's called a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), that says that we are working with you to find the right mortgage loan program to fit your financial needs and that we're confident you will qualify for a loan for a specific amount.
With your pre-qualification letter, a number of advantages are yours when you find the home you want to put together an offer on. The first is that you'll be sure what you'll be able to afford when putting together your offer.
Having pre-qualification also will make your offer more attractive to the home seller, like you were bringing them a big box of cash! They won't need to be concerned that they're wasting their time if you don't be able to qualify for a big enough mortgage loan. The seller of the home won't wonder if he can trust you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary mortgage loan amount won't cause them concern. You have the ability to back your offer up.
We will help you with your pre-qualification
When we pre-qualify you, we help you decide how much of a monthly payment you can afford, and the size of loan you will qualify for. This process outlines your finances - your debt, income, job, down payment money, among other things. It's quick and to the point; and we take pride in keeping the paperwork light.
It's vital for you to sit down and talk with us, even though you are welcome to also use the helpful mortgage loan calculator tools on our site. That way, we can help you get your pre-qualification letter. For another thing, we could be able to find a different mortgage option that fits your goals better. We're waiting to hear from you: call 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.