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Even if you haven't picked out homes to visit yet, it is advantageous to contact your mortgage loan professional first. What for? What can we do for you if you haven't negotiated a purchase amount, and do not yet know how much you need to borrow?
We Can Help You Pre-Qualify
We can help you find out the loan amount you can qualify for and the monthly payment amount you can afford by helping you pre-qualify. The process outlines your finances - your debt, income, career, and down payment money, among other things. It is a short, thorough process with minimal risks for papercuts.
Once you are determined to be eligible, we will prove our confidence in your potential to qualify for a loan by awarding you a Pre-Qualification Letter (also called a "pre-qual").
Armed with your pre-qualification letter, some advantages are yours once you locate the home you want to put together an offer on. First of all, you have some general numbers in mind, as the total you will be able to borrow.
More important to the seller, your being pre-qualified is like your having entered their front door with a bag full of money to make the deal! They will not have to be concerned that 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 wonder if he can trust you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary mortgage loan amount will not be something for them to be concerned about. You have the capability to back your offer up.
We will help you with your pre-qualification
When we pre-qualify you, we help you figure out how much of a monthly mortgage payment you can afford, and the loan amount you can qualify for. In the process, we calculate your borrowing capacity - analyzing your employment, available money for down payment, debts, income, and other circumstances. It's short and basic; and we keep the paperwork light.
Face to Face
While you are able to benefit from our mortgage calculators on this site, it will be a good idea to sit down and talk with one of our mortgage professional team members. For one thing, you will need a Pre-Qualification Letter! Then, we will make sure we have selected the right mortgage loan program for you. Contact us at 435-755-6622 to get started.
Have questions about pre-qualifying? Call us at 435-755-6622. We answer pre-qualification questions every day.