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Even if you have not picked out homes to visit yet, it is valuable to contact your mortgage professional early. What for? If you do not yet know how much house you need to qualify for, how can we help?
We will help determine how much of a mortgage you can afford, and how much money you can borrow, by taking you through pre-qualifying. We will do this by reviewing your debts and income, your work and residence circumstances, the available funds for a down payment, required reserves, and other considerations. It's quick and to the point; We take pride in keeping the paperwork to a minimum.
When you are considered eligible, we will prove our confidence in your capacity to qualify for a mortgage loan by awarding you a Pre-Qualification Letter (also known as a "pre-qual").
Some beneifits open to you after you have found your next house, and have achieved pre-qualification. First, it lets you know how much you're able to offer.
Even more important to the seller of the home, your pre-qualification gives them certainty - as if you'd arrived at their house with a big box of cash to back up the offer! They won't need to be concerned they are wasting their time if you do not have the ability to qualify for a high enough mortgage. The seller of the home 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 your needed mortgage loan amount will not be something for them to be concerned about. You can have the influence of a buyer ready to make the purchase on the spot!
We can help you pre-qualify
Our mortgage professionals can help you calculate how much of a loan you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. We can achieve this by reviewing your income and debts, your employment and housing situations, your available funds for a down payment, required reserves, and other financial considerations. We will ask for a minimum amount of paperwork, and avoid a lengthy process.
Face to Face
While you can try our mortgage calculators on this site, it is a good idea to meet with us. We can begin working on your pre-qualification letter. For another thing, we could locate a different mortgage choice that better fits your needs. Let us help you get started: Contact us at 714-970-9700.
Have questions about pre-qualifying? Call us at 714-970-9700. It's our job to answer pre-qualification questions, so we're happy to help!