Why it's Important to Pre-Qualify
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Even if you have not so much as picked out homes to view yet, it is important to contact your mortgage pro first. What for? Maybe it is difficult to fathom the ways we could help even before you begin to talk about prices and negotiations.
We Can Help You Pre-Qualify
Our mortgage professionals will help you calculate the loan amount you can qualify for and the mortgage payment amount you are able to afford by getting you pre-qualified. This process takes you through your finances - your debt, income, career, and down payment money, among other things. We ask for a minimum amount of paperwork, with a quick process.
After you are considered eligible, we prove our confidence in your ability to qualify for a mortgage by presenting you with a Pre-Qualification Letter (also known as a "pre-qual").
Power in the Pre-Qual
A number of advantages open to you when you have found your next house, and have pre-qualification power. First, you have some general numbers in mind, as the total you will be able to borrow. Of greater importance to the existing home owner, your being pre-qualified is like your having walked into their front door with a bag full of money ready to purchase the home! They won't need to worry that they're wasting their time if you won't be able to be able to qualify for a high enough mortgage loan. The seller of the home won't worry if he can trust you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed mortgage loan amount won't be something for them to worry about. They have a virtual guarantee to trust your buying power.
It's important for you to call or sit down and meet with us, even though you are welcome to also use the helpful mortgage calculators on our website. Getting a mortgage loan is a much smoother process when you've had time to plan for it so it's never too soon to call. Contact us at 352-516-9884 to get started.