When to Talk to a Mortgage Professional
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It's important to consult with your mortgage professional early — even before you've started to research neighborhoods. Why? When you don't know yet how much home you want to qualify for, how could we help?
We Will Help You Pre-Qualify
When we pre-qualify you, we help you decide the amount in monthly payments you can afford, and the size of loan you will qualify for. We will accomplish this by reviewing your income and debts, your employment and residence circumstances, the available funds for down payment, required reserves, and some other things. It's short and to the point; We take pride in keeping the paperwork to a minimum.
Once you qualify, will present to you a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), which states that we are partnering with you to find the best mortgage loan to meet your needs and that we're confident you will qualify for a mortgage for up to a specific amount.
Armed with your pre-qualification letter, some advantages fall at your feet once you find the home you want to put together an offer on. First, it lets you know the amount that you're able to offer. More important to the existing home owner, your being pre-qualified is like your having entered their house with a bag full of money ready to make the deal! They need not wonder if that they're wasting their time if you won't be able to be able to qualify for a big enough mortgage. The seller of the home won't be concerned that he can't count on you to qualify for your loan.Your qualifying for your needed mortgage loan amount won't be something for them to lose sleep over. They have a virtual guarantee to trust your ability to back up your offer.
We will help you with your pre-qualification
Our mortgage professionals will help you calculate how much of a loan you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified. The process takes you through your current financial situation - your debt, income, career, cash available for down payment, among other things. It's short and to the point; and we take pride in keeping the paperwork to a minimum.
Face to Face
While you are encouraged to benefit from our tools to calculate mortgage variables on our website, it's a good idea to meet with one of our mortgage professional team members. That way, we will help you get your pre-qualification letter. Next, we can consider your mortgage program choices to make sure you have chosen the best one. We are waiting to meet with you: contact us at (951)840-4188.