When to Talk to Your Mortgage Professional About Pre-Qualifying

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It's important to see a mortgage loan pro early, even if you haven't decided what type of house you hope to find. What for? It may be difficult to fathom the ways in which we could help even before you begin to talk about prices and negotiations.

Pre-Qualify

We will help you calculate how much of a mortgage loan you can afford, and the amount of money you will be able to borrow, by taking you through pre-qualifying. This process leads you through your financial situation - your debts, income, career, and down payment money, among other things. It's quick and basic; We take pride in keeping the paperwork light.

After you qualify, will present to you a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), that states that we are partnering with you to find the ideal loan to meet your needs and that we're confident you will qualify for a mortgage loan up to a specific amount.

Power in the Pre-Qual

When you find a house that meets your needs, and you decide to put together an offer, being pre-qualified for a loan will do several things. First, it lets you know the amount that you can offer. More important to the existing home owner, your pre-qualification is like your having entered their house with a bag full of cash to purchase their house! They need not worry that they have been wasting their time if you do not be able to qualify for a high enough mortgage. The seller of the home won't be concerned that he can't trust you to qualify for your loan.Your qualifying for the necessary loan amount will not cause them concern. They have a virtual guarantee to trust your buying power.

We will help you pre-qualify

Our mortgage professionals will help you determine the loan amount you can qualify for and the monthly payment amount you can afford by helping you pre-qualify. During this process, we explore your ability to borrow - looking at your earning status, money available for down payment, debts, income, and other areas. It's quick and basic; and we take pride in keeping the paperwork to a minimum.

Face to Face

It's vital for you to sit down and meet with us, even though you are free to also use the helpful mortgage loan calculator tools on this site. We can walk you through your pre-qualification letter. Next, we can consider your mortgage options to be sure you have chosen the best one. We are eager to meet with you: call us at (772) 252-6724.

Have questions about pre-qualifying? Call us at (772) 252-6724. We answer pre-qualification questions every day.