When to Speak to Your Mortgage Pro About Pre-Qualifying
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It is important to consult your mortgage professional early — even before you've started to consider neighborhoods. What for? Perhaps it is hard to understand how we could help even before you start to negotiate.
We Can Help You Pre-Qualify
We can help you calculate how much of a mortgage you can afford, and the amount of money you can borrow, by walking you through the pre-qualification process. During the process, we determine your ability to borrow - analyzing your employment, available money for down payment, debts, income, and other areas. It's quick and basic; We take pride in keeping the paperwork to a minimum.
Once you are determined to be eligible, we document our confidence in your potential to qualify for a mortgage by presenting you with a Pre-Qualification Letter (also known as a "pre-qual").
When you locate the house that meets your needs, and you want to put together an offer, being pre-qualified for a mortgage loan will do a number of things. First of all, you have some concrete numbers in mind, as the total you will be able to borrow.
Even more important to the seller, your pre-qualification gives them certainty - as if you had arrived at their house with a suitcase of cash to make the offer! They need not be concerned they have been wasting their time if you won't be able to have the ability to qualify for a big enough mortgage loan. The seller won't be concerned that he can't count on you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary mortgage loan amount will not cause them concern. They have a virtual guarantee to trust your buying power.
We will help you pre-qualify
When we pre-qualify you, we help you decide how much of a monthly payment you can fit in your budget, and how much we of a loan you can qualify for. During this process, we calculate your borrowing capacity - analyzing your job, available money for down payment, debts, income, and other areas. It's short and basic; and we take pride in keeping the paperwork to a minimum.
Face to Face
While you can use our mortgage calculators on this website, it will be essential to meet with one of our mortgage professional team members. That way, we'll help you get your pre-qualification letter. Next, we can review your mortgage loan options to be sure you have selected the best one. Let us help you get started: Contact us at (305) 891-6500.
Have questions about pre-qualifying? Call us at (305) 891-6500. It's our job to answer pre-qualification questions, so we're happy to help!