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It is valuable to bring in your mortgage loan professional as soon as possible — even before you have begun narrowing down neighborhoods. Why? Maybe it is difficult to fathom the ways we can help even before you begin to talk about prices and negotiations.
Our mortgage professionals can help you find out how much of a loan you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. We can accomplish this by considering your income and debts, your work and housing circumstances, your available funds for a down payment, required reserves, and some other things. It's a short, thorough process with minimal risks for papercuts.
At the point you are determined to be eligible, we will prove our confidence in your potential to qualify for a loan by awarding you a Pre-Qualification Letter (also called a "pre-qual").
Holding your pre-qualification letter, several advantages fall at your feet once you locate the home you want to put together an offer on. First, it helps you know the amount that you're able to offer.
Of greater importance to the seller, your pre-qualification is like your having entered their front door with a bag full of money to purchase their house! They will not need to be concerned that they're wasting their time if you do not be able to qualify for a high enough mortgage. The seller of the home won't be concerned that he won't be able to count on you to qualify for your mortgage in the amount you will need.Your qualifying for your needed mortgage loan amount will not cause them concern. They have a virtual guarantee that they can trust your ability to back up your offer.
We can help you pre-qualify
Our mortgage professionals can help you determine how much of a loan you can qualify for and the mortgage payment amount you can afford by getting you pre-qualified. During this process, we calculate your borrowing capacity - reviewing your job, money available for down payment, debts, income, and other areas. We as for a minimum amount of paperwork, and avoid a lengthy process.
Face to Face
While you can benefit from our tools to calculate mortgage variables on our website, it will be a good idea to meet with one of our mortgage professional team members. For one thing, you will need a Pre-Qualification Letter! For another thing, we may find a different mortgage option that is a better fit for you. Let us get you started: Contact us at 803-779-3638.
Have questions about pre-qualifying? Call us at 803-779-3638. It's our job to answer pre-qualification questions, so we're happy to help!