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It's important to consult with your mortgage professional as soon as possible — even before you've started to research neighborhoods. What for? Perhaps it is difficult to understand the ways in which we can help even before you begin to calculate your offer.
We Will Help You Pre-Qualify
Our mortgage professionals will help you find out the loan amount you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. We achieve this by analyzing your income and debts, your work and housing circumstances, the available funds for a down payment, required reserves, and other financial considerations. It is a short, thorough process with minimal risks for papercuts.
After you qualify, we give you a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), that documents the fact that we are helping you to find the best mortgage loan to fit your needs and that we are confident you will qualify for a mortgage for a specific amount.
When you find a house that is best for you, and you want to make an offer, being pre-qualified for a mortgage loan will do a couple of things. First, you have some definite numbers in mind, as the total you can borrow. Even more important to the seller of the house, your pre-qualification gives them certainty - as if you had arrived at their house with a big box of cash to back up the offer! They will not have to be concerned that they are wasting their time if you will not be able to qualify for a big enough mortgage loan. The seller of the home won't worry if he can count on you to qualify for your loan.Your qualifying for your needed mortgage loan amount will not cause them concern. You can have the sway of a buyer ready to make the purchase on the spot!
We can help you pre-qualify
We can help determine how much of a mortgage you can afford, and how much money you can borrow, by walking you through the pre-qualification process. During the process, we look at your borrowing potential - analyzing your earning status, available money for down payment, existing debt, income, and other areas. We will require a minimum amount of paperwork, with a short, basic process.
Face to Face
You can certainly use the mortgage calculators on our website to calculate how much mortgage you will be able to afford - but it's also important to talk with one of our mortgage professionals. We can walk you through your pre-qualification letter. Then, we will make sure we have selected the ideal mortgage loan program for you. We are waiting to meet with you: call us at (951)840-4188.