Why it's Important to Pre-Qualify
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It can be important to see a mortgage professional first, even if you haven't decided the sort of house to look for. Why? Perhaps it's difficult to fathom the ways in which we could help even before you begin to calculate your offer.
We will help you calculate the loan amount you can qualify for and the monthly mortgage payment amount you are able to afford by helping you pre-qualify. The process outlines your financial situation - your debts, income, career, and down payment money, among other things. It is a short, thorough process with minimal risks for papercuts.
We will award you a Pre-Qualification Letter after you qualify, which documents that we're confident you will qualify for up to a certain amount of mortgage dollars.
Several advantages open to you after you find your next house, and have pre-qualification. First, it lets you know how much you are able to offer. Being pre-qualified can also make your offer look even better to the seller, as if you were bringing them a suitcase of cash! They will not need to wonder if 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 trust you to qualify for your loan.Your qualifying for your needed mortgage loan amount won't cause them concern. They have a virtual guarantee to trust your buying power.
We can help you pre-qualify
We will help you calculate how much of a loan you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. During the process, we determine your borrowing capacity - looking at your job, money available for down payment, existing debt, income, and other areas. It is a short, thorough process with minimal risks for papercuts.
While you are able to try our mortgage calculators on this site, it's a good idea to meet with us. For one thing, you will want a Pre-Qualification Letter! Then, we can make sure we have the ideal mortgage program for you. Let us get you started: Call us at (951)840-4188.