When to Talk to Your Mortgage Professional About Pre-Qualifying
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It is helpful to consult your mortgage professional as soon as possible — even before you have started researching neighborhoods. Why? What can we do for you if you haven't made an offer, and do not know yet how much you want to borrow?
We Will Help You Pre-Qualify
We can help you calculate how much of a loan you can qualify for and the monthly payment amount you are able to afford by helping you pre-qualify. We will do this by reviewing your debts and income, your employment and housing circumstances, your available funds for down payment, required reserves, and some other things. We ask for a minimum amount of paperwork, with a quick process.
Once you are determined to be eligible, we will prove our confidence in your capacity to qualify for a mortgage by presenting you with a Pre-Qualification Letter (also called a "pre-qual").
Power in the Pre-Qual
After you find a house that catches your eye, and you decide to put together an offer, being pre-qualified for a mortgage loan will do a number of things. First, it helps you know how much you can offer.
Of greater importance to the home seller, your pre-qualification is like your having entered their house with a suitcase full of money ready to make the deal! They will not need to worry that that they are wasting their time if you do not have the ability to qualify for a high enough mortgage loan. The seller of the home won't worry if he can count on you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary loan amount will not be something for them to lose sleep over. You have the influence of a buyer ready to make the deal on the spot!
We will help you with your pre-qualification
Our mortgage professionals will help you determine the loan amount you can qualify for and the mortgage payment amount you can afford by helping you pre-qualify. We can accomplish this by analyzing your debts and income, your work and residence situations, your available funds for down payment, required reserves, and other financial considerations. It's quick and basic; and we take pride in keeping the paperwork light.
Face to Face
You can always use the mortgage calculators available on this site to get an idea of how much mortgage you will be able to afford - but it's also valuable to meet with us. We can begin getting your pre-qualification letter. Then, we can make sure we have chosen the best mortgage loan program for you. We're waiting to hear from you: contact us at 706-860-5514.
Have questions about pre-qualifying? Call us at 706-860-5514. It's our job to answer pre-qualification questions, so we're happy to help!