Why it's Important to Pre-Qualify
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It is important to see a mortgage loan pro early, even before you have determined the kind of home to search for. Why? Perhaps it's difficult to fathom the way we could help even before you start to negotiate.
We Can Help You Pre-Qualify
We will help you find out how much of a loan you can qualify for and the monthly mortgage payment amount you can afford by getting you pre-qualified. In this process, we determine your borrowing potential - reviewing your earning status, money available for down payment, debt, income, and other areas. We ask for a minimum amount of paperwork, and avoid a lengthy process.
We will award you a Pre-Qualification Letter when you qualify, that says that we are confident you can qualify for up to a predetermined amount of mortgage loan dollars.
Power in the Pre-Qual
When you find the house that meets your needs, and you want to make an offer, being pre-qualified for a mortgage will do several things. First of all, you have some concrete numbers in mind, as the amount you can borrow.
Your pre-qualification also will make your offer more attractive to the seller, as if you were bringing them a bag full of cash! They need not be concerned that they are wasting their time if you don't have the ability to qualify for a high enough mortgage. The seller of the home won't be concerned that he won't be able to count on you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary mortgage loan amount will not be something for them to worry about. You'll have the influence of a buyer ready to make the deal right now!
We help with your pre-qualification
We will help you calculate how much of a mortgage you can afford, and the amount of money you may be able to borrow, by walking you through pre-qualifying. The process takes you through your current financial situation - your debts, income, employment, cash available for down payment, among other things. It is a short, thorough process with minimal risks for papercuts.
It is important to sit down and meet with us, even though you are free to also try the helpful mortgage calculator tools on our website. For one thing, you'll want a Pre-Qualification Letter! Next, we can consider your mortgage loan choices to make sure you are in the best one. Contact us at (941) 366-5800 to get your pre-qualification process started.
Have questions about pre-qualifying? Call us at (941) 366-5800. It's our job to answer pre-qualification questions, so we're happy to help!