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Even if you haven't picked out homes to view yet, it's important to contact your mortgage loan professional early. What for? How can we help you if you have not negotiated a price, and do not know yet how much you need to borrow?
We Will Help You Pre-Qualify
We will help determine how much of a mortgage loan you can afford, and how much money you may be able to borrow, by walking you through pre-qualifying. This process outlines your current financial situation - your debts, income, career, and down payment money, among other things. We will require a minimum amount of paperwork, and avoid a lengthy process.
Once you qualify, we present to you what's called a Pre-Qualification Letter (your real estate agent may refer to it as a "pre-qual"), that documents the fact that we are helping you to find the best mortgage loan to meet your situation and that we're confident you'll qualify for a mortgage loan up to a certain amount.
A number of beneifits open to you once you find your next house, and have pre-qualification power. First, it lets you know the amount that you are able to offer.
More important to the seller, your being pre-qualified is like your having walked into their house with a suitcase full of cash to purchase their home! They will not need to worry that that they are wasting their time if you can't be able to qualify for a high enough mortgage. The seller of the home won't worry if he can trust you to qualify for your loan.Your qualifying for your needed loan amount will not be something for them to fret over. They have a virtual guarantee to trust your ability to back up your offer.
We will help you with your pre-qualification
We will help you calculate the loan amount you can qualify for and the monthly payment amount you are able to afford by helping you pre-qualify. The process outlines your finances - your debt, income, career, down payment money, among other things. It's short and to the point; and we keep the paperwork light.
Face to Face
While you are encouraged to benefit from our tools to calculate mortgage variables on this website, it's essential to meet with us. That way, we can help you get your pre-qualification letter. Then, we can make sure we have found the best mortgage program for your situation. Let us help you get started: Contact us at 435-755-6622.
Have questions about pre-qualifying? Call us at 435-755-6622. Chase Mortgage answers pre-qualifying questions every day.