Why it's Important to Pre-Qualify
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It's important to see a mortgage professional early, even before you have decided what sort of home you hope to find. Why? It might be difficult to understand the way we can help even before you begin to talk about prices and negotiations.
We will help determine how much of a mortgage loan you can afford, and the amount of money you can borrow, by taking you through pre-qualifying. The process walks you through your finances - your debts, income, job, and cash available for down payment, among other things. It's short and to the point; We take pride in keeping the paperwork light.
Once you are considered eligible, we prove our confidence in your capacity to qualify for a mortgage by awarding you a Pre-Qualification Letter (also called a "pre-qual").
After you find the house that is best for you, and you decide to make an offer, being pre-qualified for a mortgage will do several things. First, you have some definite numbers in mind, as the amount you will qualify for with your mortgage.
Being pre-qualified can also make your offer more attractive to the seller, like you were bringing them a bag full of cash! They need not wonder if that they're wasting their time if you do not have the ability to qualify for a big enough mortgage loan. The seller of the home won't be concerned that he won't be able to count on you to qualify for your loan.Your qualifying for the necessary loan amount won't be something for them to lose sleep over. You have the capability to back your offer up.
We help with your pre-qualification
We can help you calculate how much of a loan you can qualify for and the mortgage payment amount you can afford by getting you pre-qualified. This process takes you through your finances - your debt, income, career, cash available for down payment, among other things. It's quick and basic; and we take pride in keeping the paperwork light.
While you are encouraged to benefit from our mortgage calculators on this site, it will be essential to meet with us. That way, we will be able to help you get your pre-qualification letter. For another thing, we may locate a different mortgage option that better fits your needs. Let us help you get started: Contact us at 425-508-9988.
Have questions about pre-qualifying? Call us at 425-508-9988. It's our job to answer pre-qualification questions, so we're happy to help!
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