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It can be helpful to visit with a mortgage professional first, even before you've determined the sort of house you hope to find. Why? What can we do for you before you have negotiated a purchase amount, and don't yet know how much you need to borrow?
Our mortgage professionals can help you find out the loan amount you can qualify for and the monthly payment amount you are able to afford by getting you pre-qualified. We will accomplish this by analyzing your income and debts, your employment and residence situations, the funds available for down payment, required reserves, and some other things. It's short and to the point; We keep the paperwork light.
At the point you are determined to be eligible, we document our confidence in your potential to qualify for a mortgage by presenting you with a Pre-Qualification Letter (also known as a "pre-qual").
Power in the Pre-Qual
Once you find the house that is best for you, and you want to put together an offer, being pre-qualified for a mortgage loan will do a number of things. The first is that you'll know what you will be able to afford when calculating the offer.
Being pre-qualified can also make your offer look even better to the seller, as if you were bringing them a big box of cash! They will not need to worry that that they have been wasting their time if you will not have the ability to qualify for a big enough mortgage loan. The seller won't worry if he can trust you to qualify for your loan.Your qualifying for your needed mortgage loan amount won't be something for them to fret over. You will have the influence of a buyer ready to make the deal right now!
We can help you pre-qualify
When we pre-qualify you, we help you decide the amount you can afford in monthly payments you can afford, and the loan amount you will qualify for. The process outlines your finances - your debt, income, career, down payment money, among other things. It is a short, thorough process with minimal risks for papercuts.
It's vital for you to sit down and meet with us, even though you are welcome to also utilize the helpful mortgage loan calculator tools on our website. That way, we will be able to help you get your pre-qualification letter. Then, we will make sure we have found the ideal mortgage program for your situation. We're eager to meet with you: contact us at (440) 234-9660.
Have questions about pre-qualifying? Call us at (440) 234-9660. We answer pre-qualification questions every day.