When to Speak to a Mortgage Professional About Pre-Qualifying
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It's valuable to bring in your mortgage loan professional as soon as possible — even before you have started to consider neighborhoods. What for? What can we do for you if you have not negotiated an amount, and don't know yet the amount you need to borrow?
We can help you calculate the loan amount you can qualify for and the monthly payment amount you are able to afford by getting you pre-qualified. This process takes you through your finances - your debts, income, employment, and cash available for down payment, among other things. It is a short, thorough process with minimal risks for papercuts.
We give you a Pre-Qualification Letter if you qualify, which states that we're confident you'll qualify for up to a certain amount of mortgage loan dollars.
Power in the Pre-Qual
A number of beneifits open to you once you've found your dream house, and have pre-qualification power. First of all, you have some definite numbers in mind, as the total you can borrow.
Even more important to the seller of the home, your pre-qualification gives them certainty - as if you'd arrived at their home with a bag of cash to make the offer! They need not wonder if they're wasting their time if you can't have the ability to qualify for a big enough mortgage. The seller of the home won't be concerned that he can't count on you to qualify for your loan.Your qualifying for your needed loan amount won't be something for them to lose sleep over. You'll have the influence of a buyer ready to make the purchase on the spot!
We will help you pre-qualify
We will help you find out the loan amount you can qualify for and the monthly payment amount you can afford by getting you pre-qualified. The process leads you through your financial situation - your debts, income, job, down payment money, among other things. It's short and basic; and we take pride in keeping the paperwork light.
Face to Face
It's vital for you to sit down and talk with us, even though you are welcome to also use the helpful mortgage calculators on this website. We can walk you through your pre-qualification letter. Next, we can consider your mortgage options to be sure you are in the best one. Let us get you started: Contact us at 719-425-2226.
Have questions about pre-qualifying? Call us at 719-425-2226. We answer pre-qualification questions every day.