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Even if you haven't so much as narrowed down houses to visit yet, it's advantageous to visit with your mortgage pro first. What for? It might be difficult to understand the ways in which we can help even before you start to calculate your offer.
When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford, and how much we of a loan you can qualify for. During this process, we calculate your capacity to borrow - analyzing your earning status, available money for down payment, debt, income, and other areas. We require a minimum amount of paperwork, with a short,basic process.
After you are considered eligible, we will prove our confidence in your capacity to qualify for a mortgage by giving you a Pre-Qualification Letter (also known as a "pre-qual").
Several advantages open to you once you have found your dream house, and have pre-qualification power. First, it helps you know the amount that you can offer. Your pre-qualification can also make your offer more attractive to the home seller, as if you were bringing them a suitcase full of cash! They won't need to worry that they're wasting their time if you don't be able to qualify for a big enough mortgage. The seller of the home won't be concerned that he can't trust you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed mortgage loan amount won't be something for them to fret over. You have the ability to back up your offer.
We will help you with your pre-qualification
We can help you calculate how much of a loan you can qualify for and the monthly payment amount you can afford by getting you pre-qualified. We achieve this by reviewing your debts and income, your employment and housing circumstances, the available funds for down payment, required reserves, and other considerations. We require a minimum amount of paperwork, and avoid a lengthy process.
While you are encouraged to try our tools to calculate mortgage variables on our site, it is a good idea to sit down and talk with us. For one thing, you'll need a Pre-Qualification Letter! Then, we'll make sure we have selected the ideal mortgage loan program for your situation. We're eager to hear from you: contact us at (951)840-4188.