Why Pre-Qualify?

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It's valuable to see a mortgage professional first, even if you haven't settled on what type of house to look for. Why? Perhaps it's difficult to understand the ways in which we can help even before you start to calculate your offer.

We Will Help You Pre-Qualify

We will help you calculate the loan amount you can qualify for and the mortgage payment amount you can afford by helping you pre-qualify. In the process, we calculate your borrowing power - looking at your job, money available for down payment, existing debt, income, and other circumstances. It is a short, thorough process with minimal risks for papercuts.

At the point you are considered eligible, we will prove our confidence in your capacity to qualify for a mortgage loan by awarding you a Pre-Qualification Letter (also known as a "pre-qual").

Pre-Qual Power

Once you locate the house that catches your eye, and you want to put together an offer, being pre-qualified for a mortgage loan will do a couple of things. First, you have some definite numbers in mind, as the amount you can borrow. More important to the current home owner, your being pre-qualified is like your having walked into their front door with a bag full of money to make the deal! They won't have to wonder if they have been 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 wonder if he can trust you to qualify for your loan.Your qualifying for your needed loan amount won't cause them concern. You have the influence of a buyer ready to make the deal on the spot!

We can help you pre-qualify

When we pre-qualify you, we help you find out the amount you can afford in monthly payments you can fit in your budget, and the loan amount you will qualify for. During the process, we look at your borrowing capacity - looking at your job, money available for down payment, debt, income, and other circumstances. We will require a minimum amount of paperwork, with a short, basic process.

One on one

It's vital to sit down and talk with us, even though you are free to also utilize the helpful mortgage loan calculators on our site. That way, we'll help you get your pre-qualification letter. Next, we can review your mortgage options and be sure you are in the best one. Let us get you started: Call us at 9722920448.

Have questions about pre-qualifying? Call us at 9722920448. Hook and Ladder Lending - powered by Sublime Financial, LLC answers pre-qualifying questions every day.