The Importance of Pre-Qualifying
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It's valuable to consult with your mortgage professional early — even before you have started narrowing down neighborhoods. Why? When you don't know yet how much home you want to qualify for, what could we do for you?
We Will Help You Pre-Qualify
When we pre-qualify you, we help you find out the amount in monthly mortgage payments you can fit in your budget, and the loan amount you can qualify for. The process outlines your financial situation - your debts, income, career, and cash available for down payment, among other things. We will require a minimum amount of paperwork, with a quick process.
At the point you are determined to be eligible, we document our confidence in your potential to qualify for a mortgage by giving you a Pre-Qualification Letter (also called a "pre-qual").
A number of advantages open to you once you have found your next house, and have pre-qualification. First, it helps you know the amount that you can offer.
Of greater importance to the existing home owner, your being pre-qualified is like your having walked into their front door with a suitcase full of cash to purchase the home! They won't need to be concerned they're wasting their time if you won't be able to have the ability to qualify for a big enough mortgage loan. The seller won't wonder if he can trust you to qualify for your loan.Your qualifying for your needed mortgage loan amount will not be something for them to be concerned about. You have the capability to back up your offer.
We will help you with your pre-qualification
When we pre-qualify you, we help you figure out how much of a monthly mortgage payment you can afford, and the loan amount you will qualify for. This process outlines your financial situation - your debts, income, career, cash available for down payment, among other things. It's a quick, thorough process with minimal risks for papercuts.
Face to Face
You can certainly use the calculators here on this website to get an idea of how much mortgage you will be able to afford - but it's also valuable to meet with one of our mortgage professionals. That way, we'll help you get your pre-qualification letter. Then, we can make sure we have found the ideal mortgage program for you. Let us help you get started: Call us at 706-860-5514.
Have questions about pre-qualifying? Call us at 706-860-5514. We answer pre-qualification questions every day.