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It can be helpful to visit with a mortgage loan pro early, even if you haven't settled on the kind of house to search for. What for? When you do not know yet how much home you want to qualify for, what could we do for you?
We will help you find out the loan amount you can qualify for and the monthly mortgage payment amount you are able to afford by getting you pre-qualified. This process outlines your finances - your debt, income, job, and down payment money, among other things. We ask for a minimum amount of paperwork, with a quick process.
After you are determined to be eligible, we will prove our confidence in your potential to qualify for a mortgage loan by presenting you with a Pre-Qualification Letter (also known as a "pre-qual").
Various advantages open to you once you've found your dream house, and have achieved pre-qualification power. First, you have some definite numbers in mind, as the amount you will qualify for with your mortgage.
Even more important to the seller of the home, your pre-qualification gives them certainty - as if you'd arrived at their house with a big box of cash to make the offer! They won't need to worry that they have been wasting their time if you can't have the ability to qualify for a big enough mortgage. The seller of the home won't worry if he can trust you to qualify for your loan.Your qualifying for your needed mortgage loan amount will not cause them concern. They have a virtual guarantee to trust your ability to back up your offer.
We will help you with your pre-qualification
When we pre-qualify you, we help you decide how much of a monthly mortgage payment you can afford, and the loan amount you will qualify for. This process outlines your finances - your debts, income, employment, down payment money, among other things. It's short and basic; and we take pride in keeping the paperwork to a minimum.
Face to Face
You can always use the calculators here on our website to get an idea of how much mortgage you will be able to afford - but it's also essential to talk with us. That way, we will be able to help you get your pre-qualification letter. Then, we'll make sure we have chosen the right mortgage program for your situation. Let us get you started: Contact us at 512-302-9410.
Have questions about pre-qualifying? Call us at 512-302-9410. We answer pre-qualification questions every day.
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