When to Speak to a Mortgage Pro
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It is valuable to see a mortgage loan pro first, even before you have decided what type of home to look for. Why? How can we help you before you have 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 calculate the loan amount you can qualify for and the mortgage payment amount you can afford by helping you pre-qualify. In this process, we explore your capacity to borrow - reviewing your employment, money available for down payment, existing debt, income, and other circumstances. It is a quick, thorough process with minimal risks for papercuts.
After you qualify, we give you a Pre-Qualification Letter (your real estate agent may refer to it as a "pre-qual"), which states that we are partnering with you to find the best loan program to fit your needs and that we are confident you'll qualify for a loan for up to a certain amount.
A number of beneifits open to you after you've found your next house, and have achieved pre-qualification power. The first is that you will be sure the amount you'll be able to afford when putting together the offer. Even more important to the seller of the house, your pre-qualification gives them confidence - as if you'd come to their house with a bag of cash to back up the offer! They need not worry that that they're wasting their time if you won't be able to have the ability to qualify for a high enough mortgage loan. The seller won't wonder if he can count on 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 lose sleep over. You have the sway of a buyer ready to make the purchase right now!
We will help you pre-qualify
Our mortgage professionals will help you find out the loan amount you can qualify for and the mortgage payment amount you can afford by helping you pre-qualify. We accomplish this by reviewing your income and debts, your employment and housing circumstances, your available funds for down payment, required reserves, and other financial considerations. It is a short, thorough process with minimal risks for papercuts.
One on one
It is important for you to sit down and meet with us, even though you are free to also use the helpful mortgage loan calculators on our site. For one thing, you'll want a Pre-Qualification Letter! For another thing, we may locate a different mortgage option that better fits your needs. Contact us at (951)840-4188 to get your pre-qualification process started.