When to Speak to a Mortgage Pro About Pre-Qualifying

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Even if you have not picked out homes to view yet, it is important to visit with your mortgage pro first. What for? Maybe it's hard to understand the way we can help even before you start to talk about prices and negotiations.

Pre-Qualify

When we pre-qualify you, we help you decide the amount in mortgage payments you can fit in your budget, and how much we of a loan you will qualify for. In this process, we look at your ability to borrow - analyzing your earning status, available money for down payment, debts, income, and other areas. It's short and basic; We take pride in keeping the paperwork light.

After you qualify, will present to you a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), which states that we are helping you to find the ideal loan to meet your situation and that we're confident you'll qualify for a loan up to a certain amount.

Pre-Qualification Power

Some advantages open to you after you have found your dream house, and have pre-qualification power. The first is that you will know what you'll be able to afford when calculating your offer. Even more important to the seller, your pre-qualification gives them certainty - as if you had come into their home with a bag of cash to back up the offer! They won't need to be concerned they are wasting their time if you do not have the ability to qualify for a big enough mortgage. The seller 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 lose sleep over. You have the capability to back your offer up.

We will help you with your pre-qualification

Our mortgage professionals will help you find out the loan amount you can qualify for and the monthly mortgage payment amount you can afford by helping you pre-qualify. In the process, we explore your capacity to borrow - reviewing your employment, money available for down payment, debt, income, and other areas. It's short and to the point; and we take pride in keeping the paperwork light.

One-on-One

You can certainly use the calculators available on this site to get an idea of how much mortgage you will be able to afford - but it's also important to meet with one of our mortgage professionals. We can begin getting your pre-qualification letter. Next, we can review your mortgage options to be sure you have selected the right one. We're eager to hear from you: call us at (214) 383-9400.

Have questions about pre-qualifying? Call us at (214) 383-9400. We answer pre-qualification questions every day.