When to Talk to a Mortgage Professional

Even if you haven't researched houses to visit yet, it's advantageous to see your mortgage professional first. What for? What can we do for you if you have not made your offer, and do not yet know the amount you need to borrow?

Pre-Qualify

We can help determine how much of a mortgage you can afford, and the amount of money you will be able to borrow, by taking you through pre-qualifying. We accomplish this by analyzing your debts and income, your work and housing circumstances, the available funds for down payment, required reserves, and some other things. It's a short, thorough process with minimal risks for papercuts.

Once you are determined to be eligible, we prove our confidence in your ability to qualify for a mortgage by presenting you with a Pre-Qualification Letter (also called a "pre-qual").

Pre-Qualification Power

After you find the house that catches your eye, and you decide to make an offer, being pre-qualified for a mortgage will do a number of things. First of all, you have some definite numbers in mind, as the total you will qualify for with your loan. Even more important to the seller of the home, your pre-qualification gives them certainty - as if you had entered their house with a bag of cash to make the offer! They will not need to be concerned that they are wasting their time if you won't be able to be able to qualify for a big enough mortgage. The seller won't worry if he can count on you to qualify for your loan.Your qualifying for the necessary mortgage loan amount will not cause them concern. You can have the clout of a buyer ready to make the deal on the spot!

We will help you pre-qualify

We can help you find out the loan amount you can qualify for and the monthly mortgage payment amount you are able to afford by helping you pre-qualify. We do this by considering your debts and income, your employment and housing situations, your available funds for down payment, required reserves, and other financial considerations. It is a quick, thorough process with minimal risks for papercuts.

Face to Face

While you are encouraged to try our tools to calculate mortgage variables on this website, it will be essential to sit down and talk with one of our mortgage professional team members. That way, we'll help you get your pre-qualification letter. Then, we can make sure we have the right mortgage loan program for your situation. Contact us at (866) 990-3838 to get started.