Why it's Important to Pre-Qualify
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It is important to visit with a mortgage professional first, even if you haven't decided what type of house to look for. What for? It might be hard to fathom the ways in which we could help even before you start to talk about prices and negotiations.
We Will Help You Pre-Qualify
We can help you find out the loan amount you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified. The process outlines your finances - your debt, income, job, and cash available for down payment, among other things. We ask for a minimum amount of paperwork, and avoid a lengthy process.
We will give you a Pre-Qualification Letter if you qualify, which documents that we're confident you'll qualify for a certain amount of mortgage loan dollars.
Power in the Pre-Qual
When you locate the house that is best for you, and you want to make an offer, being pre-qualified for a mortgage will do a couple of things. First of all, you have some concrete numbers in mind, as the total you can borrow.
More important to the current home owner, your being pre-qualified is like your having walked into their house with a suitcase full of cash ready to make the deal! They need not wonder if that they're wasting their time if you don't be able to qualify for a high enough mortgage loan. 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 will not be something for them to be concerned about. You have the capability to back your offer up.
We help with your pre-qualification
We can help you calculate how much of a mortgage loan you can afford, and how much money you may be able to borrow, by taking you through the pre-qualification process. We accomplish this by analyzing your income and debts, your employment and residence circumstances, your funds available for down payment, required reserves, and other considerations. It's short and to the point; and we take pride in keeping the paperwork light.
One on one
It's vital to sit down and meet with us, even though you are free to also utilize the helpful mortgage loan calculator tools on our site. We can begin working on your pre-qualification letter. Then, we will make sure we have the right mortgage loan program for your situation. 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.