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Even if you have not so much as narrowed down homes to view yet, it's valuable to visit with your mortgage professional first. Why? What can we do for you if you have not negotiated a price, and do not yet know how much you want to borrow?
Our mortgage professionals can help you determine the loan amount you can qualify for and the monthly payment amount you are able to afford by getting you pre-qualified. This process walks you through your current financial situation - your debts, income, job, and down payment money, among other things. We require a minimum amount of paperwork, with a short,basic process.
After you qualify, will give you a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), which says that we are helping you to find the best loan program to meet your needs and that we are confident you will qualify for a mortgage up to a specific amount.
Some beneifits open to you when you've found your next house, and have pre-qualification power. First, it lets you know how much you are able to offer.
Even more important to the seller of the home, your pre-qualification letter gives them confidence - as if you had come to their house with a bag of cash to back up the offer! They won't need to worry that they are wasting their time if you can't be able 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 loan.Your qualifying for your needed mortgage loan amount won't be something for them to lose sleep over. You will have the influence of a buyer ready to make the deal right now!
We will help you with your pre-qualification
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 getting you pre-qualified. We do this by reviewing your income and debts, your employment and housing circumstances, the available funds for down payment, required reserves, and some other things. We will require a minimum amount of paperwork, and avoid a lengthy process.
While you are encouraged to try our tools to calculate mortgage variables on this website, it's a good idea to meet with us. We can walk you through your pre-qualification letter. Then, we can make sure we have found the best mortgage program for you. Let us get you started: Contact us at (440) 234-9660.
Have questions about pre-qualifying? Call us at (440) 234-9660. We answer pre-qualification questions every day.