Why Pre-Qualification is Important
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Even if you haven't researched houses to visit yet, it's valuable to contact your mortgage loan professional first. Why? If you do not yet know how much house you want to qualify for, what could we help you with?
We Can Help You Pre-Qualify
We will help you see how much of a mortgage you can afford, and the amount of money you can borrow, by taking you through the pre-qualification process. The process leads you through your current financial situation - your debts, income, job, and cash available for down payment, among other things. We require a minimum amount of paperwork, and avoid a lengthy process.
We will give you a Pre-Qualification Letter if you qualify, which states that we're confident you will qualify for a predetermined amount of mortgage dollars.
After you locate the house that is best for you, and you want to put together an offer, being pre-qualified for a loan will do a couple of things. First, it lets you know how much you can offer.
Even more important to the present owner, your pre-qualification letter gives them confidence - as if you'd come into their home with a big box of cash to back up the offer! They need not wonder if that they're wasting their time if you do not have the ability to qualify for a high enough mortgage loan. The seller won't worry if he can trust you to qualify for your loan.Your qualifying for the necessary loan amount will not be something for them to worry about. They have a virtual guarantee to trust your buying power.
We will help you with your pre-qualification
We will help you see how much of a mortgage loan you can afford, and the amount of money you can borrow, by walking you through pre-qualifying. This process takes you through your finances - your debts, income, job, cash available for down payment, among other things. We require a minimum amount of paperwork, and avoid a lengthy process.
Face to Face
It's vital to sit down and talk with us, even though you are free to also utilize the helpful mortgage calculators on this website. For one thing, you will want a Pre-Qualification Letter! For another thing, we may find a different mortgage option that fits your needs better. Let us get you started: Call us at 719-425-2226.
Have questions about pre-qualifying? Call us at 719-425-2226. Affinity Mortgage Brokers answers pre-qualifying questions every day.