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Even if you haven't picked out homes to visit yet, it's important to contact your mortgage pro early. What for? How can we help you if you haven't negotiated a price, and don't yet know the amount you want to borrow?
We Will Help You Pre-Qualify
We can help you calculate how much of a mortgage loan you can afford, and how much money you can borrow, by walking you through pre-qualifying. During this process, we explore your capacity to borrow - reviewing your employment, money available for down payment, debts, income, and other circumstances. It's a short, thorough process with minimal risks for papercuts.
Once 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 known as a "pre-qual").
Power in the Pre-Qual
After you find a house that meets your needs, and you want to make an offer, being pre-qualified for a loan will do several things. The first is that you'll be sure what you'll be able to afford when putting together your offer. Being pre-qualified also will make your offer look even better to the home seller, as if you were bringing them a suitcase of cash! They won't need to be concerned that they are wasting their time if you don't be able to qualify for a big enough mortgage. The seller won't be concerned that he can't count on you to qualify for your loan.Your qualifying for your needed loan amount won't 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 pre-qualify
We can help determine how much of a mortgage loan you can afford, and the amount of money you can borrow, by taking you through the pre-qualification process. We can accomplish this by analyzing your income and debts, your employment and residence circumstances, the available funds for down payment, required reserves, and other financial considerations. We will require a minimum amount of paperwork, with a quick process.
You can certainly use the calculators available on this website to calculate the size mortgage you'll be able to afford - but it's also valuable to talk with one of our mortgage professionals. We can walk you through your pre-qualification letter. Next, we can consider your mortgage program choices to be sure you have found the right one. Contact us at (951)840-4188 to get your pre-qualification process started.