It’s valuable to consult your mortgage loan professional early — even before you’ve started researching neighborhoods. Why? Perhaps it’s difficult to understand how we can help even before you begin to negotiate.
We Can Help You Pre-Qualify
When we pre-qualify you, we help you find out how much of a monthly mortgage payment you can fit in your budget, and the loan amount you will qualify for. This process outlines your financial situation – your debt, income, employment, and down payment money, among other things. It’s a quick, thorough process with minimal risks for papercuts.
After you are determined to be eligible, we document our confidence in your capacity to qualify for a mortgage loan by giving you a Pre-Qualification Letter (also called a “pre-qual”).
With your pre-qualification letter, a number of advantages are yours when you find the house you want to put together an offer for. First of all, you have some definite numbers in mind, as the total you can borrow. Of greater importance to the current home owner, your being pre-qualified is like your having walked into their front door with a suitcase full of cash ready to make the deal! They won’t need to wonder if that they are wasting their time if you will not have the ability to qualify for a big enough mortgage loan. The seller won’t worry 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 will have the influence of a buyer ready to make the purchase right now!
We help with your pre-qualification
We can help you determine how much of a loan you can qualify for and the monthly payment amount you are able to afford by getting you pre-qualified. The process outlines your finances – your debt, income, job, down payment money, among other things. It is a quick, thorough process with minimal risks for papercuts.
One on one
While you are encouraged to try our tools to calculate mortgage variables on this site, it’s a good idea to sit down and talk with us. That way, we’ll be able to help you get your pre-qualification letter. Then, we will make sure we have the best mortgage program for your situation. Contact us at (760) 946-0000 to get started.
Have questions about pre-qualifying? Call us at (760) 946-0000. It’s our job to answer pre-qualification questions, so we’re happy to help!