Looking for a mortgage loan? We'd be thrilled to talk about our mortgage offerings! Call us at (478) 746-2063. Ready to begin? Apply Here.
It's important to consult your mortgage loan professional early — even before you've begun narrowing down neighborhoods. What for? What can we do for you if you haven't negotiated an amount, and don't know yet how much you need to borrow?
We will help you determine how much of a loan you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. During this process, we explore your capacity to borrow - reviewing your job, money available for down payment, existing debt, income, and other circumstances. We will ask for a minimum amount of paperwork, with a short,basic process.
We'll give you a Pre-Qualification Letter when you qualify, which says that we are confident you can qualify for a predetermined amount of mortgage loan dollars.
Power in the Pre-Qual
When you locate a house that meets your needs, and you want to put together an offer, being pre-qualified for a loan will do several things. First, it helps you know how much you are able to offer.
Even more important to the seller of the house, your pre-qualification 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 be concerned that they are wasting their time if you don't be able to qualify for a big enough mortgage loan. The seller won't wonder if he can trust you to qualify for your loan.Your qualifying for your needed mortgage loan amount won't be something for them to fret over. You have the capability to back your offer up.
We will help you with your pre-qualification
When we pre-qualify you, we help you determine the amount you can afford in mortgage payments you can afford, and the loan amount you will qualify for. We will accomplish this by considering your income and debts, your employment and residence situations, the funds available for down payment, required reserves, and some other things. We will ask for a minimum amount of paperwork, and avoid a lengthy process.
One on one
While you are encouraged to benefit from our tools to calculate mortgage variables on our website, it's a good idea to meet with one of our mortgage professional team members. That way, we'll help you get your pre-qualification letter. Then, we'll make sure we have the ideal mortgage loan program for you. We are eager to hear from you: contact us at (478) 746-2063.
Have questions about pre-qualifying? Call us at (478) 746-2063. We answer pre-qualification questions every day.