When to Talk to a Mortgage Professional About Pre-Qualifying
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It's important to see a mortgage professional first, even if you haven't decided the sort of house you hope to find. Why? It may be hard to fathom the way we could help even before you start to calculate your offer.
Our mortgage professionals will help you calculate 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 calculate your ability to borrow - reviewing your employment, available money for down payment, debt, income, and other circumstances. We require a minimum amount of paperwork, and avoid a lengthy process.
We award you a Pre-Qualification Letter once you qualify, which documents that we're confident you'll qualify for up to a certain amount of mortgage loan dollars.
Power in the Pre-Qual
When you locate the house that is best for you, and you decide to make an offer, being pre-qualified for a loan will do a couple of things. The first is that you will be sure what you can afford when putting together the offer.
Of greater importance to the existing home owner, your being pre-qualified is like your having entered their house with a suitcase full of money to purchase their house! They need not worry that that they have been wasting their time if you won't be able to be able to qualify for a big enough mortgage. The seller won't wonder if he can count on you to qualify for your loan.Your qualifying for the necessary loan amount won't cause them concern. They have a virtual guarantee to trust your buying power.
We will help you with your pre-qualification
We will help determine how much of a mortgage you can afford, and how much money you can borrow, by taking you through the pre-qualification process. The process outlines your current financial situation - your debts, income, job, down payment money, among other things. It is a quick, thorough process with minimal risks for papercuts.
One on one
It is vital for you to sit down and talk with us, even though you are welcome to also utilize the helpful mortgage loan calculators on our website. That way, we can help you get your pre-qualification letter. For another thing, we may locate a different mortgage loan option that is a better fit for you. We are waiting to meet with you: call us at (281) 778-0805.
Have questions about pre-qualifying? Call us at (281) 778-0805. It's our job to answer pre-qualification questions, so we're happy to help!