Why Pre-Qualification is Important
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It's valuable to visit with a mortgage loan pro first, even if you haven't decided what type of home to look for. What for? When you don't know yet how much home you want to qualify for, how could we help?
We Will Help You Pre-Qualify
We will help you calculate how much of a loan you can qualify for and the mortgage payment amount you can afford by getting you pre-qualified. In this process, we explore your ability to borrow - analyzing your job, available money for down payment, existing debt, income, and other areas. We will ask for a minimum amount of paperwork, and avoid a lengthy process.
We'll award you a Pre-Qualification Letter when you qualify, which says that we're confident you'll qualify for up to a specific amount of mortgage dollars.
Power in the Pre-Qual
After you locate a house that is ideal for you, and you decide to put together an offer, being pre-qualified for a mortgage will do several things. First, it lets you know the amount that you're able to offer.
Even more important to the seller, your pre-qualification gives them certainty - as if you had arrived at their house with a suitcase of cash to make the offer! They need not be concerned they're wasting their time if you can't be able to qualify for a high enough mortgage. The seller of the home won't worry if he can trust you to qualify for your mortgage in the amount you will need.Your qualifying for the necessary mortgage loan amount won't be something for them to fret over. They have a virtual guarantee to trust your buying power.
We will help you with your pre-qualification
When we pre-qualify you, we help you decide how much of a monthly payment you can fit in your budget, and how much we of a loan you will qualify for. We will accomplish this by analyzing your income and debts, your work and residence situations, your funds available for a down payment, required reserves, and other considerations. We as for a minimum amount of paperwork, and avoid a lengthy process.
One on one
It is important for you to sit down and talk with us, even though you are free to also try the helpful mortgage loan calculator tools on this website. That way, we will help you get your pre-qualification letter. For another thing, we might locate a different mortgage program that fits your goals better. Let us get you started: Call us at 803-779-3638.
Have questions about pre-qualifying? Call us at 803-779-3638. We answer pre-qualification questions every day.