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It can be helpful to see a mortgage loan pro early, even before you've decided the kind of house to search for. Why? What can we do for you if you have not made an offer, and don't yet know the amount you want to borrow?
We can help you calculate the loan amount you can qualify for and the mortgage payment amount you can afford by getting you pre-qualified. This process walks you through your finances - your debt, income, job, and down payment money, among other things. It's a short, thorough process with minimal risks for papercuts.
We'll award you a Pre-Qualification Letter when you qualify, which states that we are confident you'll qualify for a certain amount of mortgage dollars.
Power in the Pre-Qual
After you locate the house that is ideal for you, 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 concrete numbers in mind, as the amount you will qualify for on your mortgage loan.
More important to the home seller, your pre-qualification is like your having walked into their front door with a bag full of cash to purchase their house! They need not wonder if that they're wasting their time if you don't be able to qualify for a high 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 loan amount will not be something for them to be concerned about. They have a virtual guarantee that they can trust your buying power.
We will help you with your pre-qualification
Our mortgage professionals 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. The process outlines your finances - your debts, income, job, cash available for down payment, among other things. It's a quick, thorough process with minimal risks for papercuts.
One on one
You can certainly use the mortgage calculators here on our site to get an idea of how much mortgage you'll be able to afford - but it's also essential to meet with us. We can work toward your pre-qualification letter. Then, we will make sure we have selected the ideal mortgage loan program for you. Contact us at 512-302-9410 to get your pre-qualification process started.
Have questions about pre-qualifying? Call us at 512-302-9410. Longhorn Mortgage answers pre-qualifying questions every day.
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