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It is important to visit with a mortgage professional first, even before you've determined what type of house to search for. Why? Perhaps it's hard to fathom the ways in which we could help even before you begin to talk about prices and negotiations.
We can help you determine how much of a loan you can qualify for and the mortgage payment amount you can afford by getting you pre-qualified. This process outlines your finances - your debt, income, career, and cash available for down payment, among other things. It's a quick, thorough process with minimal risks for papercuts.
When you qualify, we give you a Pre-Qualification Letter (your real estate agent may call it a "pre-qual"), that states that we are partnering with you to find the best mortgage to meet your needs and that we are confident you will qualify for a mortgage up to a specific amount.
Power in the Pre-Qual
Various advantages open to you after you find your new house, and have achieved pre-qualification power. First, it helps you know the amount that you're able to offer.
Being pre-qualified can also make your offer more attractive to the seller, as if you were bringing them a bag full of cash! They will not need to be concerned that they have been wasting their time if you can't have the ability to qualify for a high enough mortgage. The seller of the home won't wonder if he can count on you to qualify for your mortgage in the amount you'll need.Your qualifying for the necessary mortgage loan amount won't be something for them to lose sleep over. You will have the sway of a buyer ready to make the purchase on the spot!
We will help you pre-qualify
When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford, and how much we of a loan you will qualify for. The process outlines your finances - your debt, income, job, cash available for down payment, among other things. It's short and to the point; and we keep the paperwork to a minimum.
One on one
While you are encouraged to use our tools to calculate mortgage variables on this website, it is a good idea to meet with one of our mortgage professional team members. For one thing, you'll need a Pre-Qualification Letter! Next, we can study your mortgage loan choices to make sure you have found the best one. We are waiting to meet with you: contact us at (610) 889-7467.
Have questions about pre-qualifying? Call us at (610) 889-7467. We answer pre-qualification questions every day.