Why it's Important to Pre-Qualify
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It's helpful to see a mortgage professional first, even if you haven't settled on the kind of home you hope to find. Why? If you don't know yet how much home you want to qualify for, how could we help?
We Will Help You Pre-Qualify
We will help you calculate how much of a mortgage loan you can afford, and how much money you will be able to borrow, by taking you through pre-qualifying. The process walks you through your financial situation - your debt, income, career, and down payment money, among other things. We will ask for a minimum amount of paperwork, and avoid a lengthy process.
At the point you are determined to be eligible, we document our confidence in your capacity to qualify for a mortgage by awarding you a Pre-Qualification Letter (also called a "pre-qual").
Power in the Pre-Qual
Once you find the house that catches your eye, and you decide to make an offer, being pre-qualified for a loan will do several things. First, you have some definite numbers in mind, as the total you will be able to borrow.
Even more important to the seller, your pre-qualification status gives them confidence - as if you had arrived at their home with a bag of cash to back up the offer! They won't need to wonder if that they are wasting their time if you can't be able to qualify for a high enough mortgage. The seller of the home won't be concerned that he won't be able to trust you to qualify for your loan.Your qualifying for the necessary loan amount won't be something for them to fret over. You have the ability to back up your offer.
We will help you with your pre-qualification
We will help you see how much of a mortgage you can afford, and the amount of money you may be able to borrow, by walking you through pre-qualifying. This process outlines your finances - your debts, income, job, down payment money, among other things. We require a minimum amount of paperwork, with a quick process.
Face to Face
You can always use the calculators on our site to calculate the size mortgage you can afford - but it's also valuable to meet with us. We can work toward your pre-qualification letter. For another thing, we could find a different mortgage option that better fits your needs. Let us help you get started: Call us at (478) 746-2063.
Have questions about pre-qualifying? Call us at (478) 746-2063. It's our job to answer pre-qualification questions, so we're happy to help!