When to Speak to Your Mortgage Pro
Searching for a mortgage loan? We can help! Call us at 803-779-3638. Ready to get started? Apply Here.
Even if you haven't picked out houses to view yet, it's valuable to visit with your mortgage professional early. Why? How can we help you if you haven't negotiated a purchase amount, and do not yet know the amount you want to borrow?
We can help you determine how much of a loan you can qualify for and the monthly payment amount you can afford by getting you pre-qualified. The process outlines your finances - your debt, income, career, and cash available for down payment, among other things. It is a quick, thorough process with minimal risks for papercuts.
We'll give you a Pre-Qualification Letter if you qualify, which documents that we are confident you'll qualify for a certain amount of mortgage loan dollars.
Armed with your pre-qualification letter, some advantages are yours once you find the house you want to put together an offer on. First, you have some definite numbers in mind, as the total you will qualify for on your loan.
More important to the existing home owner, your pre-qualification is like your having entered their house with a suitcase full of cash to make the deal! They will not need to be concerned that they have been wasting their time if you won't be able to have the ability to qualify for a high enough mortgage loan. 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 be something for them to lose sleep over. You can have the clout of a buyer ready to make the deal right now!
We can help you pre-qualify
Our mortgage professionals will help you determine how much of a loan you can qualify for and the monthly payment amount you are able to afford by getting you pre-qualified. During the process, we calculate your borrowing capacity - reviewing your earning status, money available for down payment, debts, income, and other areas. It's quick and to the point; and we keep the paperwork to a minimum.
One on one
While you are encouraged to benefit from our tools to calculate mortgage variables on this site, it will be essential to sit down and talk with one of our mortgage professional team members. For one thing, you will want a Pre-Qualification Letter! Then, we'll make sure we have selected the best mortgage loan program for your situation. We are eager to meet with you: 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!