Why it's Important to Pre-Qualify
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Even if you have not picked out homes to view yet, it can be important to contact your mortgage pro first. Why? Perhaps it's difficult to understand how we can help even before you begin to talk about prices and negotiations.
When we pre-qualify you, we help you find out how much of a monthly mortgage payment you can fit in your budget, and how much we of a loan you can qualify for. We can accomplish this by analyzing your debts and income, your work and housing situations, your funds available for down payment, required reserves, and other financial considerations. It is a quick, thorough process with minimal risks for papercuts.
We award you a Pre-Qualification Letter if you qualify, which 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 are yours at the point you locate the house you want to make an offer for. The first is that you will know what you'll be able to afford when calculating your offer.
Being pre-qualified can also make your offer more attractive to the seller, as if you were bringing them a bag full of cash! They will not have to wonder if that they're wasting their time if you can't be able to qualify for a high enough mortgage loan. The seller of the home won't wonder if he can count on you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary mortgage loan amount will not cause them concern. They have a virtual guarantee to trust your buying power.
We will help you pre-qualify
We will help you determine the loan amount you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. We can do this by considering your income and debts, your work and residence situations, your funds available for a down payment, required reserves, and some other things. It's quick and to the point; and we keep the paperwork to a minimum.
One on one
It is important to sit down and meet with us, even though you are free to also try the helpful mortgage calculator tools on our website. For one thing, you'll need a Pre-Qualification Letter! For another thing, we could locate a different mortgage loan option that fits your goals better. We're eager to hear from you: contact 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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