Why it's Important to Pre-Qualify
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It's helpful to see a mortgage loan pro first, even before you have decided what sort of home you hope to find. What for? Perhaps it is difficult to understand the way we could help even before you begin to talk about prices and negotiations.
We Can Help You Pre-Qualify
We will help determine how much of a mortgage you can afford, and the amount of money you can borrow, by taking you through the pre-qualification process. We can achieve this by analyzing your income and debts, your employment and residence situations, your funds available for down payment, required reserves, and other considerations. It's a quick, thorough process with minimal risks for papercuts.
When you are considered eligible, we will prove our confidence in your capacity to qualify for a mortgage loan by presenting you with a Pre-Qualification Letter (also called a "pre-qual").
Power in the Pre-Qual
When you find a house that is ideal for you, and you decide to make an offer, being pre-qualified for a mortgage loan will do a number of things. The first is that you can be sure the amount you will be able to afford when putting together the offer.
More important to the home seller, your pre-qualification is like your having walked into their front door with a suitcase full of money to purchase their house! They will not need to wonder if they're wasting their time if you do not have the ability to qualify for a big enough mortgage loan. The seller of the home 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 ability to back up your offer.
We will help you pre-qualify
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. In this process, we look at your ability to borrow - looking at your employment, money available for down payment, debts, income, and other circumstances. It is a quick, thorough process with minimal risks for papercuts.
You can always use the mortgage calculators available on this site to get an idea of how much mortgage you'll be able to afford - but it's also valuable to talk with us. That way, we'll help you get your pre-qualification letter. Next, we can study your mortgage program options and be sure you are in the right one. Contact us at (281) 778-0805 to get started.
Have questions about pre-qualifying? Call us at (281) 778-0805. We answer pre-qualification questions every day.