Why it's Important to Pre-Qualify
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It is helpful to see a mortgage loan pro early, even if you haven't decided what sort of home you hope to find. Why? What can we do for you if you have not negotiated a price, and do not know yet the amount you want to borrow?
We will help you find out how much of a loan you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. During the process, we calculate your borrowing capacity - reviewing your job, money available for down payment, debts, income, and other circumstances. It's quick and to the point; We take pride in keeping the paperwork light.
We'll award you a Pre-Qualification Letter once you qualify, that says that we are confident you'll qualify for up to a predetermined amount of mortgage dollars.
Power in the Pre-Qual
Holding your pre-qualification letter, some advantages fall at your feet once you locate the house you want to make an offer for. First, you have some general numbers in mind, as the total you will be able to borrow.
Of greater importance to the home seller, your being pre-qualified is like your having entered their house with a bag full of cash ready to purchase their house! They will not need to be concerned that they have been wasting their time if you do not have the ability to qualify for a big enough mortgage. 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 your needed mortgage loan amount will not be something for them to fret over. You will have the clout of a buyer ready to make the purchase on the spot!
We can help you pre-qualify
Our mortgage professionals will help you determine how much of a loan you can qualify for and the monthly mortgage payment amount you are able to afford by getting you pre-qualified. We will achieve this by reviewing your income and debts, your employment and residence situations, your funds available for down payment, required reserves, and some other things. It's short and basic; and we take pride in keeping the paperwork light.
One on one
It is vital for you to sit down and talk with us, even though you are welcome to also utilize the helpful mortgage loan calculators on this website. That way, we'll help you get your pre-qualification letter. Then, we will make sure we have the ideal mortgage program for your situation. We're eager to meet with you: call us at 504-866-5626.
Have questions about pre-qualifying? Call us at 504-866-5626. We answer pre-qualification questions every day.
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