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It is important to bring in your mortgage loan professional as soon as possible — even before you have started narrowing down neighborhoods. Why? If you don't yet know how much house you want to qualify for, how could we help?
We will help you see how much of a mortgage you can afford, and how much money you may be able to borrow, by walking you through the pre-qualification process. In the process, we calculate your borrowing potential - analyzing your earning status, money available for down payment, debt, income, and other circumstances. It's short and to the point; We keep the paperwork to a minimum.
We'll award you a Pre-Qualification Letter after you qualify, that says that we are confident you'll qualify for up to a specific amount of mortgage loan dollars.
Holding your pre-qualification letter, a number of advantages are yours when you find the house you want to make an offer on. First, it lets you know the amount that you're able to offer.
More important to the seller, your being pre-qualified is like your having walked into their house with a bag full of money ready to purchase the house! They will not need to worry that that they are wasting their time if you can't be able to qualify for a high enough mortgage. The seller won't be concerned that he won't be able to count on you to qualify for your loan.Your qualifying for the necessary loan amount won't cause them concern. You have the capability to back your offer up.
We will help you pre-qualify
We will help you calculate how much of a mortgage loan you can afford, and how much money you may be able to borrow, by taking you through pre-qualifying. We will accomplish this by considering your income and debts, your employment and housing circumstances, your available funds for a down payment, required reserves, and some other things. We will ask for a minimum amount of paperwork, and avoid a lengthy process.
Face to Face
You can certainly use the calculators on this website to get an idea of how much mortgage you will be able to afford - but it's also valuable to talk with us. We can begin working on your pre-qualification letter. For another thing, we may locate a different mortgage choice that better fits your needs. We're eager to hear from you: contact us at (972) 292-0448.
Have questions about pre-qualifying? Call us at (972) 292-0448. It's our job to answer pre-qualification questions, so we're happy to help!