When to Speak to a Mortgage Pro About Pre-Qualifying
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Even if you have not narrowed down houses to view yet, it can be important to contact your mortgage loan professional first. Why? When you don't yet know how much house you need to qualify for, what can we help you with?
We Can Help You Pre-Qualify
We can help you calculate how much of a loan you can qualify for and the monthly mortgage payment amount you are able to afford by getting you pre-qualified. We do this by considering your debts and income, your employment and residence circumstances, the available funds for down payment, required reserves, and other considerations. We will ask for a minimum amount of paperwork, and avoid a lengthy process.
At the point you are determined to be eligible, we document our confidence in your capacity to qualify for a mortgage loan by awarding you a Pre-Qualification Letter (also known as a "pre-qual").
Armed with your pre-qualification letter, a number of advantages fall at your feet when you find the home you want to put together an offer for. The first is that you can be sure the amount you can afford when putting together your offer.
More important to the existing home owner, your pre-qualification is like your having entered their house with a suitcase full of money to make the deal! They will not need to be concerned that they have been wasting their time if you will not have the ability to qualify for a big enough mortgage. The seller won't be concerned that he won't be able to count on you to qualify for your loan.Your qualifying for the necessary loan amount won't be something for them to lose sleep over. You have the capability to back up your offer.
We can help you pre-qualify
Our mortgage professionals will help you find out how much of a loan you can qualify for and the monthly payment amount you are able to afford by helping you pre-qualify. We can do this by reviewing your debts and income, your employment and housing situations, the available funds for a down payment, required reserves, and other considerations. It is a quick, thorough process with minimal risks for papercuts.
Face to Face
It's important to sit down and meet with us, even though you are welcome to also try the helpful mortgage loan calculators on this site. That way, we'll be able to help you get your pre-qualification letter. Then, we'll make sure we have selected the ideal mortgage program for you. Contact us at (337) 453-0012 to get your pre-qualification process started.
Have questions about pre-qualifying? Call us at (337) 453-0012. We answer pre-qualification questions every day.