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Even if you have not so much as researched homes to view yet, it can be valuable to see your mortgage loan professional early. 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.
When we pre-qualify you, we help you decide the amount in mortgage payments you can afford, and the size of loan you can qualify for. During this process, we look at your capacity to borrow - looking at your employment, money available for down payment, existing debt, income, and other circumstances. It's a quick, thorough process with minimal risks for papercuts.
At the point you are determined to be eligible, we will prove our confidence in your capacity to qualify for a mortgage loan by awarding you a Pre-Qualification Letter (also called a "pre-qual").
Power in the Pre-Qual
When you locate the house that is best for you, and you decide to make an offer, being pre-qualified for a loan will do several things. The first is that you will know what you'll be able to afford when determining the offer.
Of greater importance to the existing home owner, your being pre-qualified is like your having entered their front door with a suitcase full of cash ready to make the deal! They will not need to be concerned they have been wasting their time if you will not be able to qualify for a high enough mortgage loan. The seller of the home won't worry if he can trust you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary loan amount won't cause them concern. You have the ability to back your offer up.
We can help you pre-qualify
When we pre-qualify you, we help you decide how much of a monthly mortgage payment you can afford, and the size of loan you can qualify for. In the process, we determine your borrowing power - analyzing your employment, money available for down payment, debt, income, and other areas. We will require a minimum amount of paperwork, and avoid a lengthy process.
One on one
It is vital to sit down and talk with us, even though you are free to also use the helpful mortgage calculators on our site. For one thing, you'll want a Pre-Qualification Letter! For another thing, we could locate a different mortgage choice that better fits your needs. Contact us at (727) 743-1620 to get your pre-qualification process started.
Have questions about pre-qualifying? Call us at (727) 743-1620. It's our job to answer pre-qualification questions, so we're happy to help!