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It can be helpful to see a mortgage professional first, even before you've decided the sort of home to search for. Why? It might be difficult to understand the way we could help even before you begin to negotiate.
We will 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. During this process, we explore your borrowing capacity - analyzing your job, money available for down payment, debts, income, and other circumstances. We require a minimum amount of paperwork, and avoid a lengthy process.
At the point you are considered eligible, we document our confidence in your potential to qualify for a mortgage loan by presenting you with a Pre-Qualification Letter (also called a "pre-qual").
Various beneifits open to you after you have found your new house, and have achieved pre-qualification power. First of all, you have some concrete numbers in mind, as the amount you can borrow.
Even more important to the seller of the house, your pre-qualification letter gives them certainty - as if you had come into their house with a bag of cash to back up the offer! They need not wonder if they're wasting their time if you can't have the ability to qualify for a high enough mortgage. The seller of the home won't be concerned that he can't count on you to qualify for your mortgage in the amount you'll need.Your qualifying for your needed loan amount will not be something for them to fret over. You can have the influence of a buyer ready to make the deal on the spot!
We help with your pre-qualification
We will help you calculate how much of a mortgage you can afford, and the amount of money you will be able to borrow, by walking you through the pre-qualification process. During this process, we calculate your capacity to borrow - looking at your job, available money for down payment, existing debt, income, and other areas. It's quick and basic; and we keep the paperwork light.
Face to Face
It's important for you to sit down and meet with us, even though you are free to also try the helpful mortgage calculator tools on this website. For one thing, you'll want a Pre-Qualification Letter! For another thing, we might find a different mortgage option that fits your needs better. Let us get you started: Call us at (281) 778-0805.
Have questions about pre-qualifying? Call us at (281) 778-0805. It's our job to answer pre-qualification questions, so we're happy to help!