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It's valuable to visit with a mortgage professional first, even if you haven't decided the sort of house to look for. What for? Perhaps it's difficult to understand how we could help even before you start to negotiate.
We Will Help You Pre-Qualify
Our mortgage professionals can help you find out how much of a loan you can qualify for and the mortgage payment amount you can afford by getting you pre-qualified. We accomplish this by analyzing your income and debts, your employment and residence situations, the funds available for a down payment, required reserves, and other considerations. It is a short, thorough process with minimal risks for papercuts.
We will award you a Pre-Qualification Letter if you qualify, which states that we're confident you'll qualify for up to a specific amount of mortgage loan dollars.
With your pre-qualification letter, a number of advantages fall at your feet when you find the home you want to make an offer for. The first is that you can be sure the amount you'll be able to afford when putting together your offer. Being pre-qualified also will make your offer look even better to the seller, as if you were bringing them a suitcase full of cash! They need not wonder if they are wasting their time if you don't have the ability to qualify for a high enough mortgage loan. The seller of the home won't worry if he can count on you to qualify for your mortgage in the amount you'll need.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 help with your pre-qualification
Our mortgage professionals can help you find out how much of a loan you can qualify for and the monthly payment amount you can afford by getting you pre-qualified. During this process, we calculate your borrowing power - reviewing your earning status, money available for down payment, existing debt, income, and other areas. It's quick and to the point; and we keep the paperwork to a minimum.
Face to Face
It's important to sit down and meet with us, even though you are free to also use the helpful mortgage loan calculator tools on our website. That way, we can help you get your pre-qualification letter. Then, we can make sure we have found the ideal mortgage loan program for your situation. We're eager to meet with you: call us at (951)840-4188.