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It is valuable to bring in your mortgage professional early — even before you have started narrowing down neighborhoods. What for? When you don't yet know how much home you want to qualify for, what can we do for you?
We Can Help You Pre-Qualify
When we pre-qualify you, we help you decide the amount in monthly payments you can fit in your budget, and the loan amount you will qualify for. The process outlines your financial situation - your debt, income, job, and cash available for down payment, among other things. It's quick and basic; We take pride in keeping the paperwork light.
At the point you are determined to be eligible, we prove our confidence in your capacity to qualify for a mortgage by presenting you with a Pre-Qualification Letter (also known as a "pre-qual").
Holding your pre-qualification letter, some advantages are yours when you find the home you want to make an offer for. First of all, you have some concrete numbers in mind, as the amount you can borrow.
Even more important to the present owner, your pre-qualification letter gives them certainty - as if you'd arrived at their home with a suitcase of cash to make the offer! They won't have to wonder if that they're wasting their time if you don't be able to qualify for a high enough mortgage loan. The seller won't wonder if he can count on you to qualify for your loan.Your qualifying for your needed mortgage loan amount will not be something for them to lose sleep over. You can have the clout of a buyer ready to make the deal on the spot!
We will help you pre-qualify
Our mortgage professionals will help you find out how much of a loan you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. We achieve this by reviewing your income and debts, your employment and housing situations, your available funds for a down payment, required reserves, and other financial considerations. We require a minimum amount of paperwork, with a short, basic process.
Face to Face
It is vital for you to sit down and talk with us, even though you are free to also try the helpful mortgage loan calculators on this site. For one thing, you will need a Pre-Qualification Letter! Next, we can consider your mortgage program choices and make sure you are in the best one. Contact us at 512-302-9410 to get started.
Have questions about pre-qualifying? Call us at 512-302-9410. We answer pre-qualification questions every day.
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